I've been in mostly weekly therapy for 20 years for anxiety and depression. I pay $170/session. Sometimes I've had an insurance plan that pays for part of it, sometimes I've had an insurance plan that doesn't reimburse me at all. I also have been on an antidepressant for most of that time. During the 20 years, there have been periods of acute distress and periods of great peace and happiness. Two years ago, I would have thought that I might discontinue the psychotherapy because I had been doing so well for so long. In fact, I tapered off Zoloft and started seeing my therapist only once a month. Unfortunately, my depression and anxiety returned with a vengeance, in part because of discontinuing the meds and tapering the therapy and in part because of a number of stressors (brother diagnosed with stomach cancer, a failed IVF, doing the work of two people at my job for more than a year, etc). So now I'm back in weekly therapy and back on meds. Sometimes I feel embarrassed about being in therapy this long (and on meds), but I still find therapy very helpful, and if people can be on antidepressants indefinitely, what's wrong with being in therapy indefinitely if you can afford it and it helps?

The problem, of course, is that it can be very expensive and often isn't covered by insurance. I'm sorry that you have to make a choice between staying with a good therapist and falling into debt. It shouldn't be that way. I would discuss the dilemma with the therapist, if I were you. Maybe your therapist can work with you or refer you to someone less expensive.