Hello & Welcome, MarkfromUS!

Finding help when money is nonexistent or tight is not easy. Here are a few resources for the USA, some of which you may have already considered.

New York Times article: How to Find Mental Health Care When Money is Tight, by Lesley Alderman
United Way / AIRS Home – 211.org
211.org Call Center Search
NeedyMeds
US Department of Housing and Urban Development, General Resources
State Departments of Human Services (different states use slightly different terms):

Department of Social Services (DSS)
Department of Human Services (DHS)
Department of Health and Social Services (DHSS)
Department of Social and Health Services (DSHS)
Health & Human Services Commission (HHSC)

Mental Health America – search for “Mental Health America” plus the name of the state where you live.

National Alliance on Mental Illness (NAMI)
Find your local NAMI
Depression and Bipolar Support Alliance (DBSA) Home Page
DBSA Support Groups and Chapters
DBSA Support Groups and Chapters Directory (Terms of Use)

A support group can be an inexpensive or free (partial) alternative to regular therapy.

Edit: Just discovered the PsychCentral Insurance & Finances Forum.