The other appointment

You may need two kinds of help and they are not substitutes for each other.

The debt adviser handles the money. The clinical route handles what has happened to your sleep, your concentration and your mood, and it is worth going even while the money is unresolved, because lesson two showed the loop runs in both directions.

Ask your doctor for a referral, or look for a therapist who names anxiety and worry specifically rather than talking therapy in general. Say the three things: how long it has been, what has stopped working, and roughly how much of the day the worry takes. Write them down beforehand, because the appointment is short.

If your faith matters to how you want this handled, say so at the first meeting. Good practice is to work alongside somebody religiously knowledgeable rather than around them, so that something genuinely required in the religion is never treated as a symptom.