I am sorry you are struggling OP. Does your insurance cover seeing a private psychologist? If so that would be a good first step.
Were you placed on academic probation at the end of last semester? Will you achieve the necessary GPA this semester to not be on academic probation and/or garner a more onerous consequence? What does your academic advisor say?
I agree that transferring is not an option due to your GPA. Taking time off might be the best thing for you, because it does not seem you are in a place to finish this semester strong, or do well next semester. Perhaps your school will grant you a leave of absence. You can support yourself with a job while you work on your mental health and decide next steps when the time is right.