leaking coolant saturating passenger side carpeting

This sounds like the heater core is leaking, which means it needs to be replaced. If you are mechanically inclined you can try to take care of this yourself, but it requires removing the dashboard, about 6-7 hours for an experienced Volvo tech. The parts alone are a couple hundred dollars. If you simply cannot afford this, you want to see if a shop (doesn't need to be the dealer) can bypass the heater core. This will stop the leak, but you will not have any heat at all. Her are some shops in your area, try to find an Independent Volvo shop, talk to them and explain your financial situation and see if they can help you: http://repairpal.com/volvo-repair-in-torrington-connecticut