I feel for you pink, I really do. Reading your post almost made me cry. Hang in there.
I don't know what this feels like as I am only 14, and don't have financial problems. I don't have to pay for my therapy either - it's on the Nation Health Service here in UK.
Pink, come online everyday. We can support you until you get your financial problems sorted and you can see T again.
Good Luck Hun x