(I'm sorry if this is in the wrong category, I just don't know where to put this really...)
Now some of you will see me in the chat occasionally. But my questions never really get answered in there so I'm coming on the forums to ask/discuss these. I really really need all of this answered. I'm over 18 years old, under 21 however, a perfect opportunity to get this done.
Okay, so. I'll just be honest and say I need
MAJOR help. Like, literally my life is pure crap.

I see a therapist and psychiatrist for depression, and told them about my gender issues the last time I was there in February 2014. I brought the issue up to my mom about 3 years ago; so she knows (but kinda repressed it in a way, but she knows). However, both are them are not used to talking about this issue (though I still am going to discuss it with them as needed). That's a general background thing if that helps my questions any. I know the full (or close to it) side effects of hrt as well, so I do know and understand what I am getting myself into here.
So since I've been about 4 years old, I've had this issue. I want the issue over with and done. Sick of it. Affects everything I do. I have messaged closed to 10 gender therapist, (I live in an area where this is not discussed usually) and most of them are expensive, over $100 a session. Luckily, I've found one lately that is only $40 a session for an hour. Which is great. However, she has a 3 week waiting period, and wants at least (average) 6 sessions before recommending hrt. I would very much like it now. Today even (an expression, but you know what I'm saying).
This waiting around nonsense, when I want and
NEED hrt now before I go crazy with self hatred (I already lock myself in my room pretty much all day long because of this). I'm seriously at a loss for words about how hard it is to get help for gender issues. The money issues just make it even worse. I have state insurance (I guess it's medicare or medicaid), but I don't even know if that helps any for anything. I can't afford all of this and the waiting around is just making me worse and worse mental health wise. I do want hrt (and srs when need be) though.
I've read for years, don't self medicate, and I want to be under a doctors care for this, but if they won't help me... I mean seriously what am I supposed to here? So I'm really trying my up most best not to, but if I have to wait and wait and wait and wait some more for it, I'mma just crackLike really, it is my life... so why is it so difficult

Was hrt difficult for you all to get as bad as me (trying to get it atm)? How did you afford it (insurance or not help pay for it?) Was finding a (gender related) therapist difficult for you as it is for me? Was getting hrt by them difficult? Do you have anyone you can recommend me?? or what anything you can tell me to help me out. I am seriously just depressed beyond words here. Anything you can say or tell me that will help me get in the process of transitioning, please help me.