Some medication manufacturers have patient assistance programs to help patients who cannot afford their medications. Concerta’s manufacturer has one here: http://www.janssenprescriptionassistance.com/concerta-cost-assistance. CHADD offers a few other options as well: http://www.chadd.org/Understanding-ADHD/About-ADHD/Insurance-and-Public-Benefits/Paying-for-Medications.aspx.
Seek out “credit counseling” to tackle your debt. This is a free service that works with your creditors and helps you with a plan of payment you can manage. I left college with credit card debt I couldn’t pay. One of the collectors finally recommended credit counseling and it changed everything. They negotiated a stop on most of the interest and even lower minimum monthly payments. It took years, but I paid every cent, as I could, and it removed the stress of it all. (It was a Red Cross program 20+ years ago when I used it. I don’t think it is now, but I know it’s still available somewhere.)
It does sound like some treatment of your ADHD and depression are crucial at this juncture.
Here’s some helpful advice on moving forward:
Penny
ADDitude Community Moderator, Author & Mentor on Parenting ADHD, Mom to teen w/ ADHD, LDs, and autism