i don't know what to do anymore

Okay so its been a long few weeks. I feel like i am losing my mind. My husband and kids and my roommate and her family all moved in together in sept with the agreement that they would pay half and we would pay half. Well, they haven't paid a cent which has put my husband and i into a rather difficult financial place. my roommate is going on four months behind and i am in the negative and rent is coming up on Dec 7. My husband and i made the decision to take out additional school loans(money that we have to pay back) to make ends meet. It is bad enough that i have to borrow money from my in laws to make sure that my cell phones don't go down for non payment. I have to have my phone so i can stay in contact with my kids and their school and my husband needs it for work. Then to top it all off, my roommate do absolutely no house cleaning, including their own dishes, mopping, or cleaning their bathroom (which my kids do share as well, but there is something about having to clean up after a 23 year old man not related to me and after 15 year old teenager girl who has her period.) I have literally had over ten panic attacks today and i feel like i am going to start crying at any moment. Supposedly my roommate is going to pay us sometime soon. Until then, her son is going to eat me out of house and home and i have become an unpaid maid.
I don't know what to do. I have asked and pleaded with people do things and nothing changes. so my last choice is to come on here and whine about what is going on.
I had to ask if i was getting treated like this because i am not working right now and all the other adults are, but my husband told me that every cent school money paid the bills for the last four months so no one got to say anything about me working. which is probably a good thing because there was noway that i could work right now i can barely go to school

My husband and i will make it work because the house that we are living in is a family home and his uncle is hopefully going to be willing to work with us. It is just driving me insane. They just do whatever they want and we have said stuff but apparently that doesn't count. It is just easier to let me do because i will. My anxiety will not let me not freak out about the dishes and the cleaning and they know and are using it against me, at least that is what it feels like.
My mother in law made this cobbler thing for thanksgiving and sent some home with my family. We were the only ones who got to take some home, and i got up this morning to it being eaten by the roommate which of course made my day start off wonderfully.
TO be honest, i am not sure how she is going to come up with the amount that she owes us. and i am starting wondering if that was the point, they were never going to pay us. Friends don't do this to friends.
Here comes another panic attack filled day.

I start with anxiety counselor here soon. I am hoping that will help.