I have had to stop seeing my t due to money issues before, although he is cbt and we're not really close it still hurt. But eventually I did see him again and got back on track. If he is offering to let you come at a reduced rate, that's good, but if you are in financial trouble could you try debt solution counseling or something? that can help you put your bills in order and help you with a more permanent solution? There are lots of non profit places that do that, which are ethical debt counseling places. Watch out for the scam artists if you go that route.