Unsure as to whether I'm depressed or temporarily fed up, help!

To cut a long story short.. I started to hate my job in around September of last year, I'm unable to leave as I'd have to pay back my training which I can't afford, I have then received a very low grade in my first essay in the second year of my degree in psychology, which is unusual for me, I have now received a disciplinary meeting letter from my employers which I believe to be on extremely unfair grounds. This has effected my relationship with friends and family, all I want to do is sleep, I cry often and I have no energy whatsoever, I've never felt So fed up and I'm basically wanting advice a to whether I could be depressed and need to seek or help or whether I'm just experiencing a low point in my life, I don't feel like I can cope, am I being silly or could this be more serious?

Hello Adriana. So sorry that you are feeling so low! I can't diagnose you but I would say that before you get any worse I would get to your GP and talk to them and explain what's going on. You are going through an awful lot at one time. Keep us posted as we will support you. Diane. 

I think that things are hard for you at the moment and spiraling downwards.  Low grades are not the end of the world.  I frequently got them during my degree which I never finished to date.  Try to find a job that you enjoy in the mean time then things should improve. Once that happens you may feel better and more optimistic about your health and doing better on your course.