Hi Never Well, I wanted to welcome you to Healing Well forum. There are some great people here always willing to help and lend support no matter what they may be going through. So dont be afraid to post, we are here for you.
It sounds as if you are going through so much. Unfortunately there are a lot of people out there that for one reason or another can not turn to their spouses. You could be right it maybe because of his ethnic origin or it could also be how he was raised. Also some men have a much harder time communicating than women. I can just think of my dad and grandpa and neither one ever would be caught talking about feelings. Even now I cant really turn to my dad and tell him how I feel as he just kind of shuts down. Maybe they think it isn't "manly" who knows. But you should be able to talk to your husband about your thoughts and feelings. Period. That is not too much to ask. You said in your post that "you decided to forgive him" after he cheated due to your children. I wonder what your husbands responsibility was in it? Usually, when a spouse cheats it is a pretty clear sign that they want out and after the fact they can be remorseful about it. I only say this as it seems pretty clear that you do need counseling but I would say that together would be best. This way hopefully he can learn to get in touch with his feelings and learn to listen to you. Which is what you need from him most.
There are quite a few avenues that you can take if money is a problem. One you can check with local churches, sometimes they offer counseling and they even do marriage. A lot of times getting spiritual together helps. Or you can try the Samaritan Center or Division of Family Services they often will have a list of places or psychiatrists that offer their services to people with low incomes or limited resources. You can also check and see if your state has a Pathways in it or in your area. They are a behavioral health center that offers counseling at no charge. Also if these dont pan out most counseling centers will let you make payments on your co-payment especially since it is so high. You would just have to arrange it before hand. So there are quite a few options open to you.
Maybe someone else will have somemore options for you. Take care....