What family is telling you to stay on the Zoloft ? Husband or parents ? They are not living in your mind.

Bad credit from medical bills are not nearly as bad on credit records as bad credit for stiffing a credit card or car loan.

Regarding the discount, 35% off is chump change. They routinely discount twice than to an insurance company. As a single income family with no insurance, they can give you a better deal.

Does your state have a Traumatic Brain Injury Trust Fund ?

What was the rationale behind the inpatient stay in the treatment facility ?