After months of daily meditation I can't concentrate I'm doubting if I will be able. Not even a single breath my mind stop talking. I start with metta and try to sit for at least half an hour to an hour a day. I don't skip even a single day. It's a huge effort and I am starting to feel disappointed.
There are several things I would advise:


Start with your body. Change your attention from "life" to feelings in your body: tensions, emotions, energies etc. Reconnect with the parts you've not been paying attention to. Feet are often completely forgotten. Relearn to feel everything, first part by part, then all of your body at once. Relax all tensions, sometimes there may be tensions in abdomen that take years to relax, just sit &amp; watch it and trust your intuition/feelings which part needs your attention.
Make a very careful study of your breathing. Breathing is always connected with emotions. Short, long, calm, nervous, blocked, there are millions, no - billions - details in the breathing. If you watch your breathing muscles, particularly diaphragm but really chest, shoulders, abdomen, and everything else, you can "read" your subconscious mind like a book. Then start relaxing breathing, no need to force it to be slow or calm, just watch for blockages and remove them. Just remove them one by one. This may take days and days, but eventually you should be able to achieve breathing that is very smooth, very subtle - and your mind will be the same, because by relaxing your breathing you're healing your mind.
If your mind is chatting, pay attention to your mouth muscles: tongue, lips etc. They sometimes have the habit of moving very slightly and "saying" things (this is called "subvocalizing"). Try relaxing the mouth muscles by feeling how tired they are from constant work. If this does not work, try reading a mantra - any mantra that you like and that makes you feel good - it should help wash out habitual talking. In worst cases this may take a long time, up to a year.
Finally, no need to worry so much about "concentration". Women's mind is different from men's (not better or worse, just different). Women's mind is naturally wide open, while men's mind loves to box itself. No need to box it. Just sit and stay open. The more open you get, the less fight there is inside you, the fewer thoughts and images will your brain generate. The metaphor for this is lion's gaze (unlike dog's gaze). Dog's gaze follows the objects, while lion's gaze just stares at everything, ready to jump. Be like a lion, strong, confident. It's a mood you can generate: bright, strong. Don't worry about thoughts, focus on the mood. Thoughts come and go but the lion stays in place, with its majestic presence.