I can relate to so many of your issues. I am 53, and while I have depression, anxiety disorder, and PTSD, I was the one who brought up the idea of one or more personality disorders. I can't believe they missed it. I have Medicaid, and they contract with the local community mental health clinic. As someone suggested, there may be someone who would access your financial situation and accept you on a sliding scale. Especially if you explain how desperate you are and how hard you're working to pay down your debt. I too have Fibromyalgia and ME. I was hoping to get my SSI based on those illnesses. I got turned down three times and finally got an attorney. It was 22 years ago that I had been blessed to have my small SSI. He said no judge he knows believes id Fibro, so we are going to use my sizeable mental health issues to apply. My heart goes out to you. Keep close to this site. I am new, and it's helped me so much. I found kind people who care.