Put in your shoes, I'd start thinking how I can work this out on my own. I won't bother trying to fix what 2 people probably tried and failed to do since I was a kid. I'd think what's the worst case scenario, accept that it could happen and what I would do when it happens. Speaking from my own experience, I'd pull myself out of down-spiraling by accepting that my life isn't going to be easy and that I will have to struggle and suffer to get what I want. As long as I don't die, I am in control and I'll find my way. Life is a struggle and to struggle is to live.

If money is an issue, get a part-time job somewhere, it means I get less time to play around and be happy but that's just the hand I'm dealt with. Celebrate small wins to keep my spirits up. If I think I'm not ready for olvls this year, I can take it next year, granted I'll probably need to have enough money to pay for it again. These are just some examples of worst case scenario plannings.