Hi Shellyct. Welcome to PC.
I am sorry you and your family are in such a rough situation right now. It sounds like you are all trying to do your best with a bad situation. My recommendation would be that instead of asking your son if he needs a therapy appointment you just set him up with one. If he doesn't have a regularly scheduled appointment with his therapist I would recommend you set one up for him. He is at a very challenging age and then with the added stress of your current situation he could use extra support even if he says he doesn't need it. You might also want to talk to him about whether he would be okay with you letting his school counselor or social worker know what is going on so that if he needs to step out of class he would have someone to talk to at school. Do your best to keep supporting him and be there for him as much as possible given your financial/time limitations.