Advice dealing with insults that actually hurt ?

Finally starting to notice that my mom purposely chooses the most hurtful things to say when I am in distress/indecisive( she gets annoyed? ). Today that happened when I was kind of frozen in a panic attack.

Basically things like "how did you even get into insert university," " you're never going to get into that program/ achieve that dream (that Ive always been insecure about and trying to keep down low while working towards it), to things like smt she said today like "you're a retard （你就是个智障）."

She just hurled those insults like a rapper for what felt like a long time.

I think I'm actually at my breaking point. Anyone else have similar experiences and can offer advice to deflect/ be immune?