Ughh that suuuuuucks. I am going to therapy right now without really being able to afford it, and that is at a reduced rate. I still worry that I am not "worth" as much to my T because she is seeing me at a reduced rate. But then I think about how I would feel if I were a T and I wouldn't feel that way at all.. I would feel happy that I was able to offer a reduced rate to people who were really struggling. It would make me feel good about myself to do that. I think other T's are like that too. You don't get into psychology for the money, you get into it because you love people.

Anyway, just saying if you go to your T and he offers you a reduced rate, don't let discomfort with the situation get in the way of accepting his kindness. It will make him feel good to do you this kindness, if he can afford it.

And I say just go to your T with the exact truth. You are having financial difficulties, you really want to figure out therapy, you don't know what to do, you might have to stop coming to therapy, you really don't want to do that, you wish you could come more often.. if T has a solution, it will come up. You don't have to ask for the reduced rate. He will offer it (if he can) if this conversation comes up. It was so hard for me to ask my T for a reduced rate, and this was the first time I talked with her. Ugh, it was so hard I was shaking with anxiety, blushing with embarrassment. It sucks to be struggling financially. Ugh..