I also wanted to add that these non-profit agencies or university clinics that train PH.D's or charitable church counseling is NOT ONLY FOR THE POORER.
Keep that in mind. A lot of people think you have to be poor to qualify for these things. That is not true. I knew someone that made $55,000/yr and still only paid $15.00/session.

The non-profits will go off of your income, but they are still dirt cheep even with a higher income. The university training clinics are a set fee for all regardless of income. In my case, it was $20.00 at the one I went to.

Churches, well, usually I believe all you have to do is ask them for counseling services and it is usually free, if not, dirt cheap. The churches that I know do this regardless of your income.