what is this woman’s problem?!

hi everyone
this is nowhere near as devastating as many of the posts here, i just feel like im going crazy.
i’m 20 f and live with my bf 24 m and MIL 52 f.
i’ve lived with them since i was 18 and by god is she making my life a misery.
first of all, i am grateful to her for letting me into her home and her space. i live on the third floor with my bf and we have a large room and separate bathroom.
for context , my MIL divorced her ex husband almost 9 years ago as he cheated. he still pays the bills and mortgage, but lives in a different house. my MIL and bf are beholding to him as he is financially abusing them, and dangles their house over them and threatens to sell it when he feels they’re not obedient enough.
he has alcohol issues, and my MIL is an alcoholic. one day they’re wanting to get back together, the next they hate eachother, the next the house is being sold. my boyfriends dad has said that this time he’s selling the house for good.
for the love of christ, these people CANNOT come to a decision.
this concept of potentially not having a house has taken a huge toll on my boyfriend, and thus our relationship. he is miserable and drained, as am i.
we’re from the uk and im a uni student and he is a part time office worker. we cannot afford to move out, although i am DESPERATE to leave this place. i definitely couldn’t afford it alone. uk renting is off the charts bad, and ive still got another year left in university so i cannot work full time. my partner unfortunately works with said hateful father, and his dad is his boss and will not promote him / allow him to go full time.
living with my MIL is so unbelievably hard. she drinks every single day, often to a level where she is sobbing or vomiting. between his parents, my boyfriend also drinks very often, usually with them. he will be at the pub for usually 8+ hours every time he goes out.
unfortunately my MIL doesn’t really like me very much. i’m alternative and a little bit quirky, but i come from a family that is pretty functional and respectful.
recently a big problem has arisen where i can’t do anything due to what my partner calls ‘the house problem’.
our room is damp and has peeling paint on the walls, so i offered to buy all the supplies and do it up over the summer. he said there’s no point if we might not be living there. i have a hamster and a bearded dragon and their futures are uncertain too which often causes conflict.
i love my boyfriend so much, and i can’t imagine being without him. we love living together, but every time we fight it’s over his mum or dad. they are draining both of us at an incredible speed.
if you were me , what would you do?
thank you