What To Do If You Can’t Afford Therapy

Though some people won’t admit it, once in a while, we all need someone to get inside our heads and figure out what pipes are broken and need to be fixed when we can’t. Unfortunately, the cost of therapy makes this vital medical emergency inaccessible to a lot of people. However, there are certain practices you could incorporate into your meditation to help you gain new skill sets to better cope with your mental health.

Seek Out Alternative Options

If paying for therapy sessions with a certified psychologist isn’t in your budget, there are other ways that you can help ease the load. Explore the following options to help you cope with your mental health: 

1. Talk To Your Insurance Provider

Consult with your insurance provider to get a quotation with the names of mental health specialists you could reach out to within your region. This way, if your insurer can cover part of the fee, you’ll only have a small amount to cover. Even if it’s not an actual therapist your insurance covers, you might have benefits like access to a “social worker.”

2. Consider A Training Clinic

For university students, in particular, there are services available where student psychologists offer therapy services while being mentored by certified professionals.

3. Try The Book Avenue (Self-Help Books)

Books not only afford you the opportunity to get an in-depth understanding of what you’re feeling, but the science behind everything, and a breakdown of how to work through them. Multiple books are available for various mental health conditions to help break down all the medical jargon into layman’s terms. 

4. Find A Support Group

Whether it’s a community center, religious group, or a mental health support group facilitated by professionals or fellow peers as the moderator, finding a “safe space” will help you work through your emotions. These are usually free and allow group sessions to work through your feelings with a support system of equally devoted members. Find one in your area that preferably handles similar cases to what you’re going through.

5. Find Out About Any Discounts

If you can strike a deal with your therapist to pay cash and cut out the middle man (insurance), you may be able to get yourself a discount. Ask the therapist if they have a cash policy for people without insurance covers.

6. Revisit Your Budget

If you feel your situation is too severe for you to go on without professional intervention, you may want to reconsider your priorities. At the end of the day, your mental health matters far more than car installments since you won’t be able to drive that car if you’re unwell.

7. Follow Podcasts and TEDTalks

Similar to self-help books, there are podcasts and YouTube video creators whose primary focus is mental health-related topics that you could source out. Platforms like iTunes and Spotify, among others, are a great place to begin your search. Though these can’t take the place of an actual therapist, they are excellent resources to have to help your self-growth.

8. Download Apps or Find Websites

Self-awareness means one can trace and track symptoms of progressing stages in their mental health. Once one can identify tell-tale signs of them about to spiral, they may be in a better position to help guide themselves out of the “dark place.” resources like mental health applications and online websites may prove very helpful in this regard. They work as “virtual therapists,” helping you trace your symptoms and work through various emotions.

9. Try Body Therapy

Chiropractic treatment and massage therapy have also been reported to help immensely with mind-body rebalancing. Because our minds and bodies are so connected, finding physical relief may be the key to you getting a clear head.


Getting therapy isn’t a privilege; it’s the equivalent to investing in oneself, one’s health, and the future. As such, setbacks like lack of insurance of financial strength shouldn’t be hindrances to getting the help one needs. So if you’re unable to pay for professional service, consider using these tips to help you cope with your mental health and stay strong.











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