Just an idea: Are there any support groups in your area you could go to for free? There are self-help type groups that are not run by t's that might be free. For depression or anxiety? I don't know what's available where you are, but maybe look for that? It may not be formal therapy, but I do get a lot out of identifying with others in my situation and sometimes they have suggestions on how to deal with problems. I ended up doing this because I can't afford therapy either.
Carol