If you cannot work full time because of depression – simply cannot face it – consider applying for disability benefits.
Not having any money and going further into debt does not help anyone climb out of depression.
Can you get benefits? Can you get them for a temporary time? Can you get them if you are doing any work for money? How hard is it to get benefits?
It can be very difficult but it also may be more than worth it!
Depression and anxiety can make applying hard, so get help to navigate the paperwork and regulations – an attorney is good, or any friend or relative with patience. Your insurance company may also be able to assign you an ally to help with the process.
HERE is the official Social Security Disability for Depression SSA website.