My guess is similar to that of member Sometimes psychotic, above.

During a particularly stressful time I had "musical hallucinations". I never regarded them as anything typical for the reasons Sometimes psychotic mentioned. But that didn't make them any less painful and concerning.

I totally feel for the bind you find yourself in and sending many hugs. Remember that as hard as things get the stress will eventually ease, but I know it's difficult to see that when severely depressed and anxious. Please strongly reach out for help. You are a valued person.