First the tl;dr of my mental health issue: Diagnosed early teens. ups and downs followed. Tried every drug under the sun, the only meds I haven't tried are due to the fact they would cost in the $800-1000 range due to my having the high deductible/HSA insurance. Been in therapy off and on since diagnosed, but again due to the cost of a visit its not a viable plan for me right not, besides the fact we have hit a brick wall. 

I haven't had any type of a personal life for those 5-6 years and I do not see that changing. My work is being noticeably (to me) affected. I have never been suicidal but logically, I am literally not living.

I need something drastic, I need something.

Question: I stupidly took out bank loans for college when I was a kid so just one of my student loan payments is about 550/month (and yes, that is literally as low as it can go), car payment, etc. (No rent, etc...don't ask) I work in the not for profit sector so I am not making a killing. My savings is nonexistent. 

Even if I don't factor in cost for treatment how on earth could I even attempt a more hard core approach with my bills? (not paying is not an option--family member is still listed as co-signer)