Patients are offered many different options. Nothing is more heart-breaking than to see unique, wonderful, talented people throw away their lives, their health and their relationships rather than getting skilled help for these problems. Anyone can get involved in a 12-step group and pray diligently for guidance at no charge, even if they feel they cannot afford therapy. Some therapists will set up a payment plan for you.
Most of the therapists I know take some pro bono clients or are willing to adjust their fees on a sliding scale if needed. Mental health centers typically offer sliding scale rates. Contact local churches, school guidance counselors or pastoral counselors. Call the mental health or behavioral health number on the back of your insurance card and find out what your benefits are and whether you have a deductible, co-pay, or need a referral to a therapist in order to be covered. Many employers offer free EAP (Employee Assistance) sessions through licensed counselors. I am on several EAP panels and on many insurance panels for outpatient sessions. You might be eligible for 5-8 free sessions per year through your EAP. Check it out. Contact your human resources department at work.