I am in so much debt and cannot afford therapy but I have a list of nootropics that I would like to try and I truly don't know where to start... I'm so scared of everything lol! I wanna go to therapy but I really can only afford my bills right now so I need to get out of this depression to go job searching ... any advice?

I don’t know what I can do. I guess this is more of a depression thing than OCD but who knows. I have been battling this ongoing war within myself for years now and it’s been affecting my academic performance. situation of mine right now: I haven’t done a lot of work for my classes this month and I feel like I’m going to fail the semester again. I don’t know what it is but I can never seem to begin any work. I know I am capable but why can’t I get myself to start? why has this been going on for so long? I don’t understand. I have a history of good grades back in high school before I turned 17. I don’t even know how to describe it. it’s like I’ve been paralyzed and cannot do any work. but I can somehow do offside tasks like pinterest boards or random youtube videos. if I get rid of those, what do I do? I end up sleeping. because I’m tired. I have a low vitamin D deficiency & have been trying to get energy. I’m at a loss. I also bought unnecessary stuff on sunday when I went out with my family. I bought some things for the kids and I ended up buying myself a dress and a few accessories. now I have to work extra to gain that money back doing uber eats because I need it asap. it’s like I don’t want to work, for now. my coworkers who are around my age don’t work as much & I think to myself, “wow, they must be getting in the work done” meanwhile I’m working 3 days a week (which isn’t much) and attending school. I feel like if I change my schedule again, I’ll ruin it for the rest of my driver coworkers. I’m in a lead position at work so having to put on a mask is quite tiring. there’s so much I want to say that I don’t think it will fit in this post. I have booked a mental health session with a school counselor. all I want at the moment is to have my own place and be in a better mental state to take care of my cats. they mean a lot to me but this stupid ass undiagnosed mental issue is getting in the way. sorry for the long rant. I am tired.

I'm going through a rough time. I used to think medication would brighten my world, but if anything, it's muted it. The physical anxiety is less, and I felt okay(ish) for a while, but things are getting bad again. I'm so afraid I'll never get to a point where I feel safe in my body and in my mind. Today is the first day I've cried in... I don't know how long. But I didn't feel the relief I thought I would. Initially, I did, but it morphed into dread, and now I'm sitting by myself, trying not to panic. I really want to begin seeing a therapist for OCD, but I don't know how much my insurance covers. There's just so much on my mind right now. A whole bunch of old themes are resurfacing. I wish I could've been given a different path in life. I'm trying to stay strong. It's just really difficult. I feel like I'm being sent back to square one :(

At this point I feel like I need to get on something ASAP. I know that therapy is a long road and hard work and I am totally down to do it but in the short term (I just started this journey) I think I need pharmaceutical help. Some of the people closest to me agree. I have never been on meds before and it's scary AF but the road I am going down is scarier. Advice?