Saj -- some therapists work pro bono, don't they? Would that be an option? My mom has anxiety issues and when we couldn't afford therapy, she managed to get counseling via a nonprofit (and free medication in the form of samples).
I don't mean to be overly helpful. I'm sure you're doing all you can. I just figured I'd mention it in case the information was something you could use.
In other news, I LOVE Hallowe'en and am very excited about my costume, but the women's costume section irritates the hell out of me. Basically, they take all the male costumes and sexify them. Zorro->Sexy Lady Zorro! Pirate->Sexy Lady Pirate! Doctor->Sexy Nurse! Augh! Fuck you, America.
Also, unrelatedly, I wish I could use a goddamn sewing machine better. For someone who loves costumes as much as I do, that would be a useful skill.