I don't fully know your situation. I'm in a very intensive treatment myself which is very different from CBT or anything like that though.

I guess what I don't understand is what justifies asking 500$ from a therapy hour, which for 2-3 hours would make 1000-1500$ regardless of accreditations and awards. Are there certain expensive materials involved or what? If the cost is so high, does this therapist give some guarantee to his work, so that if it doesn't work for you, you will be reimbursed most of the cost. Although I can hardly see how he could give you such a guarantee.

What is it that you want to do the exposure therapy about? What are your underlying issues anyway? Could it be possible that all this CBT/DBT/exposure stuff just doesn't work for your issues - they typically don't work well for issues stemming from early relational traumas and stuff like that.

I personally wouldn't take a loan to pay for psychotherapy, especially such a big loan without any guarantees that it pays off. I can't see why this therapy has to cost so much. I mean, insurance or not, 500 per hour sounds really outrageous and I can't imagine how such a cost can be justified.