I Can't Afford A Therapist

Therapy is expensive. Here are some options.

Need help now? Available 24/7

Find options that fit your budget and timeline

What can you realistically spend per session?

How much time do you have to look for resources?

Prices and availability may vary by location.

Matching options

Pick a budget and a timeline above.

Once you answer both questions, options that fit will show up here.

988 Suicide & Crisis Lifeline

Free, confidential support available 24/7. Call or text 988 to speak with a trained crisis counselor.

CostFree
Time to StartRight now
Call 988

Crisis Text Line

Text HOME to 741741 to connect with a crisis counselor via text message. Available 24/7.

CostFree
Time to StartRight now
Text HOME to 741741

AI Therapy Chatbots

AI chat tools that may offer mental health support. Use your judgment and research carefully.

CostFree
Time to StartRight now
Search for AI therapy chatbots
We are not linking to specific AI therapy tools here. Many health professionals have concerns about potential risks. Please research carefully before deciding if AI chatbots are right for you.

BetterHelp

Online therapy with licensed professionals using a weekly subscription model. Text, phone, or video options.

Cost$60-90/week
Time to Start1-2 days
Visit BetterHelp
Financial aid available. Can reduce cost by 40%.

Talkspace

Online therapy service offering different plans based on messaging and live session options.

Cost$69-109/week
Time to StartSame day
Visit Talkspace

Open Path Psychotherapy

Network of therapists offering lower rates. Pay once to join, then book sessions at reduced prices.

Cost$40-80/session
Time to Start1-2 weeks
Join Open Path
$65 lifetime membership if you make under $100k.

Community Mental Health Centers

Government-funded clinics that charge based on what you can afford.

Cost$0-40/session
Time to Start2-4 weeks (varies)
Find a center near you

University Training Clinics

Graduate training clinics provide lower-cost therapy, supervised by licensed professionals.

Cost$15-50/session
Time to Start2-3 weeks
Search for a clinic
Google "[your city] university counseling training clinic"

Psychology Today Directory

Directory where therapists list their practices. Filter by sliding scale and availability.

Cost$50-200/session
Time to Start1-3 weeks
Search the directory
Filter by "sliding scale" and state your budget upfront.

Employee Assistance Program (EAP)

Many employers offer confidential, short-term counseling at no cost to the employee.

CostFree (limited sessions)
Time to Start3-7 days
Ask HR about your EAP
Ask HR: "Do we have an EAP?"

Cerebral

Online mental health care with therapy and optional medication management.

Cost$85-325/month
Time to Start1-3 days
Visit Cerebral

Check Your Insurance Benefits

Some insurance plans include a certain number of free or low-cost therapy sessions each year. This usually takes some time to set up.

CostVaries (often copay; sometimes sessions free)
Time to Start1-3 weeks
Call your insurance
Call the number on your insurance card and ask: Do I have mental health coverage? How many therapy sessions are covered and at what cost? Do I have any free sessions? How do I find in-network therapists?