You deserve something more. I see no reason why you cannot achieve anything you want. There are concessions available at colleges and one or two organisations who help mature students with some financial assistance, like tuition fees and materials. A good point of contact for advice is Jobcentre Plus. I thought I had a link to funding orgs but I can't seem to find it. The college will also offer advice about funding
I think it's highly likely you are comorbid, by what you say. The Therapists role is not to give you advice or his opinions. The "person-centred" model is all about you. The sessions are all about where you take them. The Pdoc sounds particularly good. My current Pdoc will talk to me, but the last moron barely spoke a word. He wrote to my GP saying I was suffering Agoraphobia, but he didn't tell me. When I read a copy of the letter, I thought he was talking about someone else. Turns out, he made his diagnosis from what I was saying. I never thought for a minute I was Agoraphobic, until I read exactly what it was, it fits me to a T. However, as with my other diagnosis', I haven't spent much time learning about it. I don't necessarily think this is a good thing, it can stunt emotional growth.