Propery Division questions

Can anybody help?
I will try and make this as short and easy to understand as possible. My ex and I were only married 2 years and we have no children. We live in TX. I am a college student and obviously can't afford a divorce attorney. I am trying to create a list that divides up our assets and debts to see "who owes who what..." and the website has been very helpful. But I just have a couple of questions that I need answered (and couldn't find on any website that I've looked at) to get it completed that hopefully somebody will be able to help me with.

1. We had a joint checking account. She was not working for the last few months that we were together. How do I or can I account for the fact that I was the only one making mortgage payments, vehicle payments, and other bills ect...? If that's applicable, there was also several thousand dollars of left over money that I had from my student loans that we also used to pay bills, mortgage, ect... Can I count that as "income"?

2. I bought a truck a few months before we were married. It is in my parents name and I am/we were making the payments on it. It is obviously my separate property, but would I owe her for half of the payments that were made on the truck while we were married and she was contributing income?

3. She also has a separate life insurance policy that I didn't even know about until I looked at the bank statement after we had been separated and noticed a $150 automatic withdrawel. Should she owe me for those payments?

4. Would the house and car (that we bought while we were married) count as debt or property or both?

Thanks so much for your time and consideration, ST