So is her rate changing now that she can't practice out of the clinic or is it that she won't accept your insurance any more? Because most private practice therapists still accept insurance, although they may not accept all kinds of insurance.

Either way, I would think she'd understand that the money situation is going to be a hardship. I have never known a therapist to not have a sliding scale, but if she says she doesn't, I don't see much wiggle room there unless you ask for half sessions or something.

As for the room issue, is this where the phone call session came up in your other thread? Because that might be an option for you. As a meet halfway solution, I would ask about a half hour phone call. That way, you get a reduced rate and don't have to be in that room.