My T's fee is 180 euros (which is 240 dollars)... And in my country we pay everything out of our pocket. I started paying 150 euros but over the years he has reduced his fee 3 times and these days I only pay 40 euros (which I can barely afford). I used to feel tremendous guilts. Every time he was late (I'm his first evening appointment), I would immediately assume that since I don't pay like the others, I'm not worth his attention and time. But I've come to realize that I don't feel guilt for accepting a reduced rate per se, but because of all the insecurities and feelings of guilt that I carry along all these years. It's just a manifestation of other things. Either way, you can discuss it with your T and maybe you can explore further the source of your feelings... But you did well accepting the offer!