<human>: Give me the gist of the text in a nutshell

A little background: we met through work last year, and she was crushing on me, so we went out a few times and then became an official couple in early summer. She's my first GF at all and I'm her first serious BF. She let me know up front about her mental health conditions, and I accepted it and her. For the first two months, it was totally great, with lots of mutual affection. 

   She's been attending college since August, while I'm still in high school. Between work, and school and the mind games her mother[F 38] plays (playing favorites and borrowing money and never paying back), she has been especially feeling down. I want her to focus on school the most, but she's been decreasingly romantic and affectionate. 

   We still cuddle and go out and do sensual shenanigan things and be supportive and do things for each other, but it doesn't feel as passionate as it did. I'm not sure if this is because of her depression or we're losing touch. I care about her deeply, but I don't know how to talk about this with her. 

   We talked about her getting help, but neither of us have the money, it wouldn't fit in her schedule, and she's already used her college free psychologist appointments.
<bot>: Easily anxious and depressed GF is making relationship substantially less enjoyable. Don't want to leave in case her mood turns around, and I don't want to hurt her further.  Need advice.