Ask for help
I am writing this as someone who knows how this feels.
Financial problems happen all the time. No matter what you do something out of the ordinary happens and you find yourself in a hole. You dig and dig to try and get out of the hole but it just gets worse and worse. You pray for a miracle and it never materializes. By this point you are in so deep you get depressed.
What I want to say is there is help out there. I know that it is hard and you are embarrassed but, when you are in a hole help is what you need.
In the UK you can call StepChange which is a charitable organization to help those in debt. They are there to find the right solution for you.
Don't let money worries send you into such a shame spiral that you don't see any other way out. Please ask for help.