I've been in this situation multiple times with multiple Ts. The money and adjusting schedule and such. They have always been happy to work with me. You saw a lot of checks, but you don't know that they were all in one lump sum. She may have a payment plan for other clients too. I know when my parents paid for my T sessions (when I was a kid) it was really awkward to bring up money and my parent's forgetting to write a check for me to bring etc. But my T was flexible about it and understanding. I'm sure you and your T will be able to work it out.