I feel like I'm going to have a nervous break down

I think I'm at the point where I need a therapist.

I'm 21 and I don't know how to bring this up to my mom. My sister is almost 25 and has been in therapy on and off since she was 17, our parents always used their insurance and paid for it. I'll feel bad if I ask for it too. I don't have my own money or own car or anything so yes I'd have to ask them.

I'm not coming off of anon so if anyone wants to directly ask me something or anything put in the comments to message you