My heart really bleeds when I read stories like yours. But one of the things that life teaches you is that, in situations like this, other people can see things much clearer than you yourself can. I can recall the failure of my own first marriage, some 30 years ago now, due to my ex's mental illness. My family picked up the deterioration in my wife's health much sooner than I did. Not that it would have made any difference to the outcome.
From what you say, I get a strong impression that you would be much better off without this man. He has just used you and exploited you. I do not think he will change. Sorry to have to say this, but on the basis of what you say, I'm forced to that conclusion. I think, deep down, you know this too.
Putting an end to the marriage, in one sense, is relativel;y easy. What causes the trouble with divorce ( as readers of this site will be happy to confirm ) are issues like children, how you split the assets, whether one party pays maintenance to the other, and if so, how much and for how long. This can often result in very bitter and destructive litigation.
Getting out of the marriage - you petition for divorce on the basis of your husband's unreasonable behaviour. In your case, there is no a scintilla of doubt that your husband has behaved in a wholly irresponsible and reprehensible manner. So getting out of the marriage in itself is not too difficult nor particularly expensive. Some people even do it themselves , without legal help.. The real problem is the kind of matters referred to in the previous paragraph, and the technical term for it is ' ancillary relief ' - which you will often encounter on this website. Some people have another name for it, which isn't nearly so nice !
I don't think it is true, as a matter of law, that you cannot start divorce proceedings while you are living together. It is self evident, however, firstly, that a
divorce petition is likely to make a bad situation worse, and secondly the housing situation has to be resolved sooner or later. Incidentally, if violence is a factor here, or you think it is a possibility, you are in a different ball game. If this is the case, then I would recommend that you should speak to a Womens Aid organisation. They have a lot of experience in dealing with such cases.
As regards your loan, I don't know anything about your husband and his finances, so I can't comment. To me, however, it doesn't look promising. It is one of the factors that would be taken on board as part of the ancillary relief process. I wouldn't be amazed if he was insolvent.
I think I will leave it like that for now, but will conclude by making a few points. (a) You deserve a lot better than this. (b) I think you would make a very good wife or partner for someone ! (c) This situation is not your fault (d) On this site you will find a number of people who have been through this process and we are all with you, we all know what you are going through. You do not have to navigate these waters without help. (e) Things do, eventually, get better. It will take time, but they do, and you will emerge stronger and wiser.
With every good wish
Mike