My T offered to reduce my fee and see me more often.

I struggled with that because I wouldn't want to feel like I "owe" T back anything. I'd was afraid I would be less in control and less powerful in the relationship, like he could hold it over my head at any time. I was afraid he'd someday demand the difference in payment.

I talked about it a little. I saw that he was trying to help, and I had to trust him. I also made him document in writing the reduced fee and the agreement, so that there was no question about me owing anything more. So, I do pay a reduced fee that is what I can afford. I couldn't justify therapy or stay in it if I didn't...and I def. couldn't go 2x week, which is what he thought I needed to make progress.

I think the question is what is the amount you can afford. If the offer is below what you can reasonably afford - while still taking care of all the other needs in your life and planning for your future - then you could certainly bump it up. I sometimes think about giving my T a "raise" just by $10 or so, to show him I take his work seriously. (Then he cancels on me and I think differently...)

Hopefully your T is professional and didn't offer the reduction casually, but really thought about what he/she could accept. So, the question is what you're comfortable doing.

Hope you can talk about this with your T.