The office where I see my T does reduced fees and it has helped out alot! My new expensive pdoc, very unfortunately, does not. I feel so guilty not paying more or full-price for my T. Talk to and let the T know your issues about money. Maybe something can be worked out. I can't afford my pdoc at all, but I have to try as long as I've got even one dollar. I will beg to pay later if I have to.