Depressed

I’m soooooooo depressed. My son is 4 mo and daughter is 2.5 yo. I don’t feel like hurting myself or others but I have no energy, no motivation, no appetite. If I didn’t have my kids to tend to I’d literally lay in bed all day. I’m an emotional wreck. I would have quit my job today but the only thing holding me back is stupid student loan payments. I have my resignation letter sitting in my outbox and might break down and send it. I’m not happy and I have no idea how to tell my doctor. Like what words to say to help me get better. 😭