When going through a rough-patch, here are some things to consider:
If you've successfully navigated overwhelming situations before, this means you have a proven track record of resilience—even when it doesn't feel accessible right now
The strategies that helped you through your overwhelming situation (i.e. research, hearing others' stories, accepting temporariness, using support, self-compassion) may still be available to you and can be adapted to this situation
Some people tend to laugh when they're stressed. Humor can be a protective coping mechanism, but it can also prevent you from fully processing difficult emotions—finding safe spaces to feel genuine sadness and anger (rather than laughing them off) may help you move through this perio, allowing you to process what you are going through, rather than avoid it.
Stressful sitautions can also be very intense and difficult when there is no clear endpoint. Identifying when this chapter might close (even approximately) could help activate your acceptance work (the point where you have accepted some or all of the realities of your situation, not just the negative aspects)
Feeling like things are "happening to you" rather than you "doing something about your situation" is a normal trauma response to ongoing violation and overwhelm—you don't have to force yourself into problem-solving mode before you're ready
You're not alone in this, even though the financial burden falls on you—emotional support, community (even online), and professional guidance can help carry some of the weight
Taking things one step at a time is not only acceptable but necessary when you're experiencing cognitive overload and decision fatigue