How do I save us? ‘24M’ and ‘21F’

My boyfriend ‘24M’ and I ‘21F’ have been having issues. We’ve been together going on a year. My sex drive is basically nonexistent at this point. And it’s been affecting him and I don’t have any answers and only feel at fault for not giving him what he needs. He’s explained his side and how he feels and Ik it’s not his intention for me to feel like shit and he’s even said that before but just me seeing how it affects him and having no idea how to fix it makes me feel like shit. And I can’t just go to a Dr like I wanna do because I have no insurance and I’m already $3k in debt to medical bills. I’m about to start college in a month and we just got our own apartment together. And no that we live alone I “have no excuses to why I keep saying no” and he’s not wrong. I don’t have any excuses I’m just never in the mood no matter what I do. And the past few nights wil go really good until he tries to go further and then when I say no to sec that’s when the mood always turns. Because it hurts his feelings and the fact that we haven’t done anything in over a month makes him feel like he’s not good enough and like he isn’t enough for me and that’s not the case and I’ve tried to explain that and he’ll say that he understands but he still feels that way and then I feel like shit for making him feel that way and then it just spirals. I’ve had a very trauma fulfilled past. My sperm donor was extremely abusive mentally and physically and I escaped when I was 18 but even since then, I’ve been SA in highschool by one of the HS boys, I’ve had my boss try to get in bed with me and it got to the point to where I had to quit because I was scared of getting R**ed again and I’ve also been in a couple of predicaments to where I was begged to the point to where I felt like if I didn’t say yes it would end badly for me. That’s all been several years ago since any of it has happened. I haven’t let it affect me much and he’s aware of this too. I can’t afford a therapist to see if that could be anything to do with it and I can’t afford a Dr to see if it’s anything medical. And I don’t wanna have to reply on a pill to fulfill his needs and I’m at a complete loss. So now I’m desperate enough for help that I’m turning to reddit because I simply don’t know what to do.