Last year was supposed to be my last year applying, but I spoke with a professor who really took an interest in me and my work. They helped me your year and after years of applying I finally got two interviews (1 wait-list and 1 rejection). It's a tough thing. I did not want to apply again this year but it's the most success I've had so far.
Have you tried meeting with professors and forming a mentorship bond. Seeing if they can help you with your application? Maybe reach out to a few professors and explain your situation and say this is your last time applying and ask if they would either give you a reading list or look over your application beforehand.
A couple people are encouraging me to try one more year if I don't get in this time, but I'm tired of applying especially not even getting interviewed at places I felt I should get into. Pray for guidance (if you're religious/spiritual), but don't give up.
Do you mind me asking what financial things are causing you to not be able to apply past next year?