Your situation sounds very stressful, and I know personally how hard it is to worry about money. Your campus probably has free resources for students - have you thought about talking to someone to help you manage your stress levels? I have some problems with managing stress, myself, and tend to get physical manifestations of it when I am really stressed (mainly migraines, which are horrible).

I understand that you want to help your mom; but I think others are right that she has to want to help herself, too. I know as a parent I would do anything within my power to see my daughter happy and successful and I'm sure your mom wants that for you too. You can still be supportive by calling her and seeing her when you can, but maybe it's best if you find another place, like living on campus (which is likely more affordable than an apartment and you will never have to worry about getting to class).

Is there someone else you know (family member or friend) who would be willing to watch your pets in the mean time?