You can still get the help you need but you have to think outside the box. Since finances are the issue, you need to contact walk in clinics that offer sliding fee scales.

There are many many walk in counseling places in every city in every state in the US that help low income people.

But you have to be willing to do the research to find those places. Start with your county website. Or call 211. They should also be listed by neighborhood.

The walk in counseling place that I use, has virtual counseling sessions via Zoom with grad students and sometimes licensed social workers.

Do you have health insurance? If you have health insurance then your therapy sessions in network are covered by your insurance.

Don’t go out of network. Find a therapist in network.