I'm very sorry to hear of the situation. There are several organizations that may be able to assist you in finding affordable services in your area. Try contacting each of the following and see if they are able to help you find a low-cost/free therapy service:
You can contact The U.S. Department of Health and Human Services here for assistance with locating federally-funded health centers in your area. These centers can provide services even if you have no health insurance. You pay what you can afford, based on your income. These centers provide health, mental health and substance abuse services. Type in your address and click the 'Find Health Centers' button to find health centers near you. You can contact the National Alliance on Mental Health here. NAMI are a consumer organization that has a network of local branches that can provide a wealth of information on the kind of services offered locally.
You can contact Mental Health America here. The MHA website contains lots of information regarding mental health issues, treatment options and available resources.
You can contact the United Way here for assistance with finding low cost mental health services in your local area.
You can contact the American Psychology Association (APA) for assistance with locating a Psychologist who charges on a sliding scale; take a look at the APA locatorservice here. You can use this to find Psychologists in your area and there is a phone number you can contact if you want a referral arranged for you. Also, take a look at anarticle published by the APA here. It's an interview with a senior Psychologist and covers some of the things you should consider when are you looking for a Psychologist.
I hope this has been of some help. Please let me know if you have further questions or would like me to clarify any part of my answer.
It certainly sounds like it is time to get professional help. As a resource you can use right now take a look at this excellent Cognitive Behavioral Therapy (CBT) based self-help´program here. It should take several weeks to complete, is completely free and will teach you everything you need to know about Depression and what you can do about it. I use it with my patients regularly and I find it to be very useful.
I hope this helps.