What is the ruling regarding my staying with my family? And what do you advise me concerning my confusion about divorcing my husband, who does not bear responsibility and has drained my health and money?

It is not permissible for the wife to remain in her father's house without her husband's consent. She must return to her home, withdraw her request for khul', and live with her husband in kindness, exercising patience with him. The cohesion of the family is better than its disintegration.