could therapist comment?

My ocd is very severe. I have tried meeting with therapists for a long time (ocd speciality therapists), and now I am seeing my therapist twice a week and have been since November. I have tried ERP and can’t do it. My therapist at home (not college) believes I can’t engage in ERP because my symptoms are too severe to engage in it, and it interferes with it. She used the analogy of if a depressed person is unable to go to therapy because of depression or they couldn’t get out of bed, you wouldn’t say they aren’t trying, you would say the depression symptoms are preventing them from getting treatment. I have tried 200mg of Zoloft, and am currently on 80mg of Prozac, 10 mg of abilify, and upped to 60 mg of buspirone last week, and I haven’t had any side effects positive or negative from any medication. My therapist at college has a supervisor (cause he’s a student in training) who believes that because I haven’t had any side effects to 10 mg of abilify, there could be something else going on. Therapy has not helped a ton, and medication have not helped at all (as far as I can see). It’s clear that I am not getting the right amount of care. The next steps for a situation like this are usually clomipramine or TMS. I have a psychiatrist appointment in 3 weeks which seems like a long way away, where I might be able to be prescribed clompiramine or another medication that isn’t common, but I can’t get new medication before that, because that is the soonest I can see the psychiatrist. I’ve looked into treatment resistant ocd options. I’ve seen TMS, DBS, and anterior capsulotomy. Both the therapist at college and at home think that residential care at Rogers would be good when I can do ERP. The issue is that when I talk to my parents about these options, they say it costs a lot of money, and are not huge fans of it. My dad had a conversation with me yesterday and said the most important thing I can do is get my bachelor’s degree (I’m a junior in college). He more wants me to wait until this summer, but I don’t want to wait that long. I’m having trouble ending this cause of ocd, and knowing what to say, but I feel like my parents are too focused on the financial aspect of it. My dad said the people talking to me don’t understand the financial aspect of it. I’m willing to pay my own money for some stuff (for some things like DBS I might not be able to afford it, but TMS I can), but with TMS, they want me doing it at home and not 5 hours away at college. I might be blaming my parents too much which is not my intent, but it is frustrating, because I feel like they don’t understand how bad my ocd is. I know these treatments are expensive, but I’m not doing well. It’s a frustrating situation