Teresa Denk is 59 years old and lives with her father, a former mechanic who is 92 and requires constant care. Ms. Denk has not held a full-time job since 2000, when her mother developed cancer and required her daughter’s full-time care.

Asked how she meets her monthly expenses, she said, “I do a lot of praying.”

The economic crisis has spread its pain widely, but it has placed special stresses on the estimated 44 million Americans who provide care for an elderly or disabled relative or spouse, many of whom have already made themselves financially vulnerable trying to balance work and family. Many like Ms. Denk, who stepped away from the work force, are now facing ever-bleaker prospects.

In a recent survey of 1,005 caregivers, one in six said they had lost a job during the downturn, and 21 percent said they had to share housing with family members to save money. The survey was conducted by the National Alliance for Caregiving and Evercare, a division of the UnitedHealth Group, which provides long-term health care.

In many cases these caregivers, who rely on help from the government and nonprofit organizations to make ends meet, are finding that such services are being cut in the downturn and have had to assume even more care-related expenses.