Ex Cannot Afford To Refinance, I Cannot Afford A Lawyer.

Hello all! So, I have a bit of a long story and could really use some advice. Location: North Carolina.

My ex (F28) and I (F25) bought a house last August. We had been married for a little over a year at this point. By November, about 3 months into home ownership, she told me she wanted a divorce. The reason being she just doesn’t really love me anymore. I know it sounds like there must be some other motive, but really everything was going great up until this point
(I thought). She was talking to someone else immediately after she told me she didn’t have feelings for me anymore, but I guess that doesn’t help me legally? So, I moved out of the house we just bought and into an apartment by December. I had wanted the house, but when she mentioned she also did, I just decided to let her have it.

Obviously, I would like the mortgage out of my name. She is trying to go through this process, and we have been pretty amicable about it. She let me know today that she cannot refinance by the current timeline that had been set, because her debt-to-income ratio is too high. She needs to make more money annually. They also told her that she could pay 11,000, which she does not have. She insists that with time, she will either make more money or can find the money in relatives somewhere. No refinancing = my name is still on the mortgage.

I suggested that we sell the house, and she told me absolutely not. She doesn’t seem like she will budge on this. I think it sounds like she can’t afford it and selling it would be the best option and would keep me out of any risk of her payments falling through. Plus, I would like my debt to income ratio to be lowered since I only lived in this house for 4 months. The issue is, with buying a house and needing to move out of it so quickly, I am broke. I am a teacher, and didn’t have a huge savings built up. I can’t afford a lawyer to help me with this.

She is asking for time on my end to figure it out. I also don’t want to be “the bad guy” and be the reason she cannot have the house. I also believe that I should always try to be peaceful when possible, even though I’m upset about the situation (I think- she had to have known she was feeling this way before this big purchase, right? That’s aside the point). Some reasons have been that she has paid for half of my dog's emergency vet visit, since we had gotten him together and she loves him. One day, I was also really sick and she came to walk him. I believe she has been kind, outside of the marriage part, and I want to stay being kind back. Maybe there is something about the legal process of both divorce and homeownership that I do not understand and could help me/us? Is there any way for me to get out of this? I know I can do a consultation with a lawyer, but that is honestly already pushing it financially for me, from what I’ve seen.

I live in NC and need to be separated for a year before divorce, so we are not legally divorced yet. We can by December.

Edit: we are both on the deed and mortgage.