Hi FindPeace!

I agree with an earlier post: stay the course with your Therapist if you already established a rapport. Who wants to start over??

I see no harm at all in asking your Therapist to waive the $10 phone fee, considering you are "financially challenged"... it is right to call it hardship.

No shame in that. My Gp has waived all my costs for forms/letters etc because he knew I wasn't working..he knew my circumstances.

You are short of funds right now: Need your Therapist..(as you mentioned your T is your ONLY support system.

Sincerely,
Grace03