I can't really offer an opinion because I don't know enough about your financial and emotional situation, but that just seems like so much money. The strain of going into debt might be counterproductive to your progress in therapy. Have you thought about exploring another school of therapy first? I agree with feileacan that certain approaches work better for some types of problems and not as well for others. Sometimes it's hard to know the roots of a problem, but your lack of progress makes me think it might be worth exploring other kinds of therapy before really committing financially to this approach. I know some therapists see CBT as useful for symptom reduction before using, say, a psychodynamic approach to get at deeper issues. I might be biased, though, because CBT was not terribly helpful for me in the grand scheme of things, even though I really gave it the ol' college try.