Cilly,
Some therapists will work with you to come up with a plan, according to what you can afford...you pay on a sliding scale, according.to your income.
Group sessions are also more affordable, or sometimes even offered at no cost.
Check with your local hospital or clinic. (or NAMI
www.nami.org/) It is more effort...but with some digging, I'll bet you can find something that works for you.:)
S.C.