So she brought up money, which upset you, but now you have to have extra session for which you have to pay for. It makes no sense. It should be free imho, otherwise it’s a catch 22.

They have to pay you back ASAP. My husband overpaid in co pays snd they sent us a check immediately ;our insurance covered therapy co pays due to pandemics but neither we nor the clinic knew). Are they planning on giving you money back?

I am sorry about potential homelessness. Is your husband not working? Why isn’t he working? Can your t help you with some ideas re avoiding homelessness? My ex T gave me some good ideas when I was in not so good financial place at some point, was single and no one to rely on.