I wish to add that - if prepared to do the work - CBT can be self directed. There are many fine work books out there. I really actually liked the "CBT for Dummies" which is comprehensive and takes you through a day-by-day program lasting about 3 months. The one problem with the other workbooks is that I believe some people have the tendancy to read and work ahead. What ever book you use then, it is critical that you take your time and not do so. Actually do the exercises and do so everyday.