What is the going rate for a competent therapist in your area? If you feel like you will benefit from therapy perhaps budgeting/sacrificing from another area to pay for it is an option. For example, work some overtime to pay for the therapy expense.(Dont know if thats an option) I think its great you are trying to pay off debts, but you might not want to give up self improvement if it is something you are longing for. Therapy doesn't have to be weekly, its probably worth talking it over with the therapist you were thinking of going to. All the best.