Why don't you make T your accountability partner? Tell her that you can only afford to have 1 90-minute session, 1 30-minute session, and 1 paid e-mail per week. When those times are up, have T end the session. Therapy really should have time boundaries anyway, in order to maintain the therapeutic frame and to keep the relationship healthy rather than excessive/obsessive (assuming you are stable enough, which it sounds like you are). It seems that it should be fairly easy for T to uphold those time boundaries if you simply ask her. This is your decision, but it seems like it is in your best interests to ask for this. Not only do you need to stop going into debt in order to pay for therapy, but it's good to have time between sessions to apply the DBT skills you are learning (like distress tolerance, self-soothing, self-coping, etc) and to turn to people in your life (husband, friends, etc) for support rather than to rely so heavily on your T. It sounds like this could be a really positive step for you, in order to continue doing intense therapy without allowing it to become obsessive.