Regular therapy is hard work. When a former therapist moved far away (4hours drive). I proposed I take the train to get there, explaining that I did not want to have a tough session (I can't remember if I had a 50 minute session or double sessions) and then possibly be unsafe on the road.

The distance is far and you have no idea how you will respond to these sessions. I've never had exposure therapy, but I have had extended sessions for attachment therapy and it could be brutal and I needed hours of extra sleep. There is information in the academic arena regarding the phenomena for extra sleep to process therapy sessions, similar to the amount of sleep a baby needs.

If my financial, work and school situation were similar to yours, I could not in good conscious consider a loan, unless I was pretty sure that my financial situation would be pretty strong and secure in the next three years. I would start by taking a leave of absence from school to cut down on some immediate stress.

Your therapist could help you more by challenging your insurance company if you yourself have already been refused. If your request is refused again, he can submit your case to other professionals for second opinions to send to your insurance company. Or

...by making room in his schedule since it is for a limited time period, even if that includes weekends. He could schedule this into the near future.