fallenangel, that sounds very very hard. And very scary to feel that this decision is so out of your control.

If you can get an idea of how much your monthly T visits are costing (2 co-pays), maybe you could propose changes to save that much over a month. "To save $50 each month (or whatever 2 co-pays is), I will take the bus instead of driving, stop eating lunch out, and work a few hours a week at the fast food restaurant." Keep trying to find a job. It's hard out there, but some places would rather pay a student minimum wage than an older more experienced worker a higher rate. ARr there campus jobs available or a campus job board?

Can you explain more about the "insurance crap" that is going on? Are your parents thinking of dropping you from their plan and having you get the student insurance where you go to college instead? (Student plans like that often don't provide much for mental health services.)

I think it is important that you let your parents know this. They may not see the "value" of therapy for you right now. They may not have detected the positive changes you are so aware of. Can you talk with them and tell them what is changing for the better for you? If I was thinking about discontinuing my daughter's therapy, and she came to me and said, "Mom, this is helping me so much. I am much better at doing X and Y since I started and now we are working on Z, which as you know I have a lot of trouble with. I really want to continue", then I would think twice about making her end therapy, even if it was a financial hardship. So I think talking with your parents about your benefits from therapy is very important. You can also tell them ways you will save money to help out. And if they see how important it is, they may decide they can cut back on expenses elsewhere to help out with the cost.

About a year ago my daughter wanted to quit therapy, she had me convinced she didn't need it anymore, wasn't benefiting anymore, had accomplished what she needed to, etc. I proposed she go every other week instead of quitting all at once. She wasn't too happy about that but agreed. Meanwhile, her therapist contacted me (with my D's permission), and I met with her. Her T really wanted my D to continue therapy and had good reasons for this--ruptures among other things. She convinced me to support my daughter in continuing therapy rather than support her in cutting back. As it turned out, her T was right. They are still together over a year later and doing well. Fallenangel, my point with this is, that it might even be helpful for your therapist to talk with your parents and give her professional opinion on why you should continue therapy with her (I am assuming she thinks you should). Parents may value it more if it comes from the mouth of a health professional, or at least it will confirm what their child is saying.

As others have said, also discuss this with your T. But don't leave your parents out of your plan on how to deal with this. There may be ways to get them on board with you, either through talking to them yourself about the value of therapy, or by your T also talking with them. If your T does talk with them, you can go over with her carefully what she will and won't talk about, so you can be assured she won't reveal any of the content of your therapy, which is confidential.