Your mom might be able to work out a payment plan. If your cat is unable to birth her kittens they can die inside her, and your cat will also be in danger. This is serious.
She wants you to stay with her and comfort her. Many cats want their special person when they are in labor. Try to stay with her and gently rub her to keep her calm. She is in labor. Let's hope she will have her kittens on her own eventually.
I can't and I have a bed time and after I take a shower in not allowed down there so I don't get sick being I'm 13 and the only way she stay inside is if she in cage in basement