Sex is so painful Help please?

Sex is so painful that me and my husband don't do it anymore. I suffer a lot from thrush and have had this checked out by the GP and the outcome was that some women get it often and there is nothing they can do to stop it. It is not getting passed back as we don't have sex!. Anyway as time went on sex was painful and so not good for me. inside feels like sand paper and the skin at the bottom of my hole feels like its gonna rip!! I am well lubricated and have even tried KY to help too. Still hurts. Now we have got to a stage where penetration is absolutely impossible, We have go ourselves into a vicious circle...it hurts, so i got nervous and anxious, it hurt even more to the point where now i cant do it. What do i do?? I really try hard to relax but i think its subconscious and don't know how to break this cycle. My husband is forgiving but it is now starting to be a problem as we do nothing at all. We have been together 10 years and this started to occur a year ago, progressivly getting worse. Any advice please xx