I have a job and insurance and still can't afford therapy for myself or my kid. I've closed down two business- one of which I was 8 months pregnant and no insurance the day the business shut down. I was laid off at the beginning of 2009. It takes time for it to all come back. I had to wait tables for a year- and just had to pick it back up- to help pay the bills and keep my shelter. I try to find counselors that will work on a sliding scale, or maybe go thru a church if you are in to that. You might find some free help there until you can get back on your feet.