I am in a real mess--I've had a brutal depression for 3.5 years. Three years ago I started seeing an out-of-network therapist who I love (yes and LOVE transference style). After two years I told him how stressful the finances have been on me and he lowered my fee to something a little more manageable. I didn't get better, though. Three months ago I started seeing a SECOND therapist--also out of network insurance wise. It is ALL of my money now. I have nothing left over and I have a baby and we're desperate to move out of our miserable apartment and I'm spending all of my money on therapy. The thing is, I'm afraid that if I stop then I'll get worse. I am SERIOUSLY ATTACHED to both of my therapists now. I don't know how I'll leave either one of them. The thought of seeing them is what gets me through the week, but I know that I can't handle the financial stress much longer. This past week I finally maxed out my out of network out of pocket deductible, so the two of them will be covered almost in full for the next three months until the end of the year. After that, the deductible starts over and I won't be able to afford it any more. I am so scared and overwhelmed about what to do.

The second therapist has been more helpful, I think (also more expensive). The FIRST therapist is the one I've been going to for three years and just started talking about my erotic transference with.

I am so overwhelmed and scared and don't know what to do.

Wondering if anyone else has been in this situation--where you can't afford the help you need and what you did about it.

Thanks.