Libido issues

Hey all! I'm 22 and have only been sexually active since I was 17 or 18, and I've only had a few serious relationships that have gone that far. My first serious relationship was really unhealthy and toxic, so there were a lot of times that we weren't doing well and we wouldnt be having sex, sometimes even for long periods of time, and probably the last 6 months were completely inactive also. The relationship I'm in now started out pretty lustful in that sense, but after the honey moon phase stuff died down, so did that. Weve been together almost 2 years now and my libido has gone down soo much. I figured my first relationship was different because of the toxicity, but now I'm realizing that is just me. For my current partner, sex is something thats pretty important, and unfortunately its everything or nothing with my libido. When I'm in my fertile window I WANT IT. But when I'm not I barely even think about it, never want it, cant get myself into it, so I just dont do it. It's something that's already caused some issues in our relationship. He is understanding about it but I'm curious if there is some type of resolution for me.

The biggest issue in finding a solution is that I dont have health care so I cant afford to have a full checkup and potentially undergo some type of hormonal therapy. I'm also not on any birth control or any other medications. I've thought about getting BC through one of those delivery services since it can be a bit cheaper and more convenient, however the thought of putting hormones in my body like that kinda screws with my mind (I know I know it's no big deal but it's a mental thing I haven't gotten passed yet.) I've tried changing the way I think about it, and we still have a hot and heavy love life, but like i said i just have no interest in sex most the time. I also do not want children so it's not exactly the best to just embrace it as much as possible during my fertile window.

Does anyone have advice to increase my libido or help me out with this? TIA!