I'm glad you posted this question, because I am considering taking a break or discontinuing as well. I know that what happened at my last session has something to do with it, but financially, I'm drowning....So, I have to really consider it.

As far as the idea of lowering the fees, I can imagine feeling the same way - it would create a further imbalance in the relationship. But, it may be worthwhile to ask your T directly why she feels it's ok for her to accept a lower amount.

I have never taken a break from therapy....although due to vacations, I did go about 3 weeks without seeing him once (after seeing him 2-3x/week). I managed better than I thought I would, but it was difficult to reconnect. I spend so much time keeping my feelings buried, so it took a while to adapt to the therapy environment again.