I think the Uber and rental car fees seem outrageous but I’m stunned your friends charge you $80 for a ride to therapy. I realize they have to wait an hour while you’re in session, but still.. Unless you’re getting many other errands done the same day...I can’t imagine your friends or acquaintances getting paid $80 an hour to take you to your appointment.

I’m concerned someone’s exploiting you.
Sorry, that’s not your topic, Hope.

Getting back on topic, I would ask the T to carry your balance forward until you can pay it off. I agree with the others that your health and welfare are the most important.