Well wtf, has she refunded you? It sounds like she hasn't if you're saying she's been overpaid. I'd be really upset about that given you say she's aware of your financial situation and, I assume, the risk of homelessness.

I think you've said in the past that you voluntarily gave up disability when you got married. Maybe you should look into it again? Because it seems like if you can't work even to avoid homelessness (or what may be worse to you, abandonment by this therapist), that you are in need of a safety net. Think of it as making everything else you're working on more effective - it's hard to focus on improving your emotional wellbeing with the constant threat of homelessness hanging over your head.

Anyway, sorry to go off topic, just concerned about you. It's not acceptable to me that you could end up on the street. You have enough you have to deal with. Life is just so unfair.