Hi Quinx,
I can relate to your situation. I am diagnosed with GAD, MDD, and on the Bipolar II scale. I know I am BPD. It fits too well. Regardless of the diagnoses, I was in a deep depression for months before I dumped a therapist who could not help me and got a new therapist. I am not sure what can help you with the financial burden for a therapist. It is very hard when you don't have the means to see one. Have you checked into teletherapy? It may be more cost effective. I hope you find some help. I also hope that you don't feel so alone here. I am sure there are more people who have similar experiences. Welcome to the forum!