Im sorry to hear you are having a tough time.I can understand that the money problems are making you worse and causing you stress.
On the topic of your money problems - is there any way you can consolidate all of your debts into one and pay one payment towards that debt each month? I know we can do that in england. I think looking for a new job is a good idea if it will bring you more money. Stick with the job you are in now until you do find another job though.
The question about your meds not working a well as they used to - have you spoken to your doctor about possibly increasing the dose or changing to another med??
I think counselling or some sort of therapy would be good for you. Are there any free therapy trials in your area? Can you talk to your doctor about what possibilites are available to you?
Try and make another appointment with the psychiatrist. Explain that you missed your last apt as you were too ill to make it.
I hope things work out for you soon. Every cloud has a silver lining and things will get better eventually. Everything just takes time.
Keep in touch and let us know how you get on.
You are in my thoughts and prayers