I am so sorry you are having a tough time. Medically, ‘nervous breakdowns’ don’t exist. If you go to the doctor or a mental health professional about how you’re feeling, they won’t use the word. They are more likely to use terms such as having a ‘mental health crisis’ or ‘reaching crisis point’.
Whatever you’re feeling and whatever the word, it’s OK to ask for help.
Although the word ‘breakdown’ sounds very scary and might suggest that life is falling apart, the feelings won’t last forever It is actually just a word that people use to express that things have become very difficult and they need some help.
Do you have a therapist? If so please give this person a call.
I am sorry about your financial bind.................is there anyway you can contact your utility company and ask if you pay part of your bill and will catch up somehow if that is doable?
Again you have my thoughts and prayers.