Susceptible to colds after being exposed to cold water and air.?

In my adolescent years of life I was in a constant state of being malnourished, to the point where I was hospitalized on a few occasions, because I had very poor eating habits due to severe depression and medication and I think this may have weakened my immune system. Now I am 23 and I have noticed that throughout my life that I am highly susceptible to getting colds. I can't ever go to swimming pools or lakes because after getting out of the water I get a nasty cold within a few hours. Even after getting out of the shower I have to quickly dry off and clothe or else my nose will start running and in the summer time if I have an a/c or fan going I have to be wearing clothes or be under thick covers because if the cold air hits my exposed skin it causes me to also get a runny nose for at least a week. I have had to deal with this my entire life but I don't have health insurance so I have never been to the doctor's to get advice. What is wrong with me?