Support When You Need It Most: Resources for Affordable Counseling

Medically reviewed by Karen Foster, LPC
Updated March 13, 2023by BetterHelp Editorial Team

Many individuals experience moments where they desire extra support, understanding, and guidance, and sometimes that involves seeking the assistance of a free psychologist. Whether looking to navigate a challenging transition or gain more clarity on goals and dreams, counseling can be a valuable way to receive guidance. However, many individuals face financial barriers to treatment and may feel they cannot reach out due to the cost of therapy. In these cases, seeking an affordable treatment option can be beneficial. 

Dive Deeper Into Mental Health Services With Online Therapy

Understanding Mental Health

Mental health refers to an individual's psychological, emotional, and social well-being, and many people work on achieving mental wellness throughout their lives. Common mental health conditions like anxiety, depression, bipolar disorder, schizophrenia, post-traumatic stress disorder (PTSD), and obsessive-compulsive disorder (OCD) can affect how someone perceives themselves and the world around them. 

You can become aware of the signs and symptoms of these conditions to better identify them in yourself or your loved ones.

Symptoms may include:

  • Changes in mood
  • Difficulty sleeping
  • Difficulty focusing or remembering information 
  • Low self-esteem
  • Difficulty managing emotions
  • Feelings of helplessness or hopelessness
  • Withdrawal from friends and family
  • Frequent episodes of fear or worry 

Recognizing that mental health conditions can be treatable can show the potential importance of early intervention and treatment. Accessing quality mental healthcare can make significant differences in helping individuals cope, manage, and recover from these conditions and other symptoms or concerns. Having counseling help may be very beneficial for you and can help you maintain a good mental state. If you are putting off treatment due to cost, know that affordable counseling services are available. 

Types Of Affordable Counseling Services

If you don't have insurance or the financial resources to cover counseling sessions, options are available. Your mental health and well-being are a priority, even if you have limited resources. Below are a few of the most common types of affordable counseling services. 

Community Clinics And Non-Profit Organizations 

Many cities offer free or low-cost mental health services through local clinics or non-profit organizations. You might also be able to find low-cost testing or counseling and recovery services through your local university or college's student psychology clinic. Even if you are not a student, psychology students may offer care at lower rates to gain clinical experience. 

Sliding Scale Fees 

Some counselors and therapists may offer a sliding scale fee structure that allows you to pay according to your financial capabilities. This system can benefit those who struggle to afford full-price therapy sessions but can pay lower amounts. 

Insurance Coverage 

Many health insurance providers offer coverage for mental health services. You can check with your provider to understand what is covered and any additional fees or co-pays you may be responsible for.

In addition, Medicaid and Medicare provide coverage for mental health services, including counseling, in most states. Check with your state's Medicaid program to understand what is covered in your area.

Telehealth Services 

Online counseling and telemental health counseling options have become increasingly popular in recent years. These free online counseling services allow mental healthcare from the comfort and convenience of your home, making them ideal for those who can't afford or attend in-person therapy.

Faith-Based Organizations 

Many religious organizations or centers offer their congregation free or low-cost counseling services. If you are looking for faith-based support, this option may benefit you. However, ensure anyone offering to counsel has a license to do so. If they do not, their services fall under life coaching, and the advice does not replace a licensed therapist. 

Government-Funded Resources 

Local, state, and federal government agencies may provide funding for mental health services. Veterans may also be eligible for free or low-cost counseling services through the US Veterans Affairs administration. Research options in your area for further information. You can also call 211 for local resources. 

Common Barriers To Mental Health Services

Accessibility to mental health services can be a concern in rural areas or communities with limited resources. When people don't live close to a counseling center or mental health provider, getting the help they need can be challenging.

Mental health studies indicate that rural areas are underserved and often lack specialized mental health care. As a result, rural residents may be less likely to seek treatment. Additionally, people in rural communities may struggle with transportation issues or not have the resources for treatment, such as money or the internet.

Ethnic and racial minorities also face gaps in mental healthcare. Research shows that minority populations are less likely to receive appropriate mental healthcare and often face unique socioeconomic challenges. Language barriers and lack of cultural understanding may impede accessing quality mental health services.

In addition, within certain groups, the stigma surrounding mental illness can be immense to the point where it prevents those who need help from seeking treatment. Creating a greater understanding and awareness of mental health concerns can help everyone feel empowered when seeking support, and studies show that destigmatization is essential

Dive Deeper Into Mental Health Services With Online Therapy

Reducing Mental Health Stigma 

The following strategies may help reduce the effects of mental health stigma:

  • Educating: Educating yourself and others on mental illness 
  • Leading By Example: Showing support for those facing challenges or listening to them without judgment
  • Encouraging Open Dialogue: Talking about mental health issues openly to reduce the shame surrounding them
  • Supporting Research: Supporting organizations reducing stigma in your local community 

When confronting mental health stigma, everyone in a community can play a part in creating a healthier and more accepting culture. By working together and reducing the stigma associated with mental illness, communities may create a more welcoming environment where everyone feels comfortable seeking support. 

Other Ways To Care For Your Mental Health 

Mental health can play an essential role in overall well-being. Taking the time to prioritize and invest in your mental health can be an empowering decision. Below are a few other ways to care for yourself. 


Self-care and self-awareness can be starting points when addressing your mental health. Take steps toward improved mental wellness by finding activities that bring you joy, setting boundaries for yourself and your relationships, and seeking trusted sources of support. For example, journaling is one research-proven method for improving mental health at home. 


Self-compassion might also help you feel more aware of your thoughts and behaviors, recognizing when you might benefit from seeking additional support or taking a break. Self-care can mean taking a step back and permitting yourself to listen to your body and mind.

Affordable Online Therapy 

Online therapy may be an affordable option if you are seeking support with managing your mental health. Online therapy can offer the same quality of care you might receive in person but with added convenience and reachability. A licensed mental health professional can help you identify symptoms, create a personalized plan for wellness, and provide support. You can choose between phone, video, and live chat sessions and use journaling prompts and therapist-curated worksheets. 

In addition, clinical research shows recent advances in technologies and techniques have opened new pathways to quality mental healthcare and can be as effective as in-person methodologies. Cognitive–behavioral therapy (CBT) is one of the most widely researched forms of psychotherapy. CBT can effectively manage mental health conditions like depression, anxiety, and stress-related disorders.

CBT can help you gain insight into your thoughts and feelings that might be influencing your behavior or emotions. By exploring these patterns, you can take steps toward making positive changes. If you're interested in signing up for affordable therapy from $60 to $90 a session, consider a platform like BetterHelp, which offers over 30,000 licensed and vetted providers offering unique, compassionate services to communities worldwide. 


Although there can be barriers to treatment for some individuals, several low-cost therapy options are available throughout the US, including online therapy, local clinics, and government insurance plans. If unsure where to start, consider reaching out to a provider for an initial consultation and further advice.

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