Like other people have said - talk to your T about money.

Quick example: I was on insurance for a year or two and then suddenly became unemployed (and no insurance). Her regular rate was $130 at that time. I told her I was having issues paying. The group said they could lower the rate to $65 for me, but I told them that was still way too much. I was going biweekly, so T said she'd work pro bono for me every other week, so she ended up donating an hour once a month, and I was able to pay a much lower amount once a month. Her working pro bono was completely her decision (not the group she worked with). You might be surprised that your T might work with you on something like that....

T might also be able to talk to your mom about how you're progressing (if you're comfortable with that) and indicate why it's important.