I think my doctor's are misdiagnosing me.?

Okay, so I've been going to therapy because I've been really depressed. Well the therapist i was seeing referred me to a psychiatrist and he labeled me major depression. What made me mad was that 1. I already knew i was depressed. 2. i was told him a few of the major problems that I've been stressing over but he just kept asking me how i felt about them (which was depressed). 3. He kept pushing Prozac on me and when i told him i didn't want it he still pushed it on me. I tried telling him that even if i took it, my problems wouldn't disappear (i loaned 300 dollars to my mom and 320 to my sister and i can't pay my bills this month. Plus I'm not doing well in college b/c I'm constantly working). He didn't have an answer for that. Then i asked him if there was a medical test to look for the chemical imbalance that this "medicine" is supposedly gonna fix and he said there wasn't one. He also told me i shouldn't be feeling this way. Who the heck isn't stressed out or depressed when they're struggling financially or in school? Honestly, all i wanted when i went into therapy was to talk to someone about my problems and maybe get PRACTICAL advice from, maybe even help with coping. So I've been researching and found that RARELY do psychiatrists ever 'cure' their patients. And now, I'm actually afraid to tell this man i don't want to take the pills b/c i don't want him to label me as irrational or resistant to treatment. Is anyone else running into this dilemma? (sorry so long)