For most of my life, I have suffered (and am regarded as someone "recovering") from OCD, often accompanied by depression. Though I am post-menopausal my mental condition always had a significant negative influence on my mikveh experience that cannot be erased from my memory. My personal experiences related to mikveh are very personal and too painful to disclose, but I hope that what I do share will have emotional and practical value for balaniot and other women.
The biggest issue was that I would sometimes put off going to the mikveh for days or longer. During the halachically-permissible time for me to go to the mikveh, I would often experience debilitating anxiety often dragging on for days and nights in the confines of my home. I literally felt trapped in my body (meaning the emotions shut my body down) and I had absolutely no kochot to go there. This created tremendous marital strife which I knew was against halacha, and that made me feel ashamed of myself as a Jewish woman and wife. To this day, it is very painful to remember how I felt then.