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1) Some shrinks will let you pay on a sliding scale dependent upon your income level, etc. I don't know how common this is but it is something to try and pursue if it's possible. You can disclose that you don't have familial support and they might be able to knock it down to $20 or something. I also once had one who would be flexible about when I paid - she would rather me come at all than have me not come simply because I couldn't pay for that meeting that day. 2) Yeah. I tried out a shrink once who was all about positive affirmations. That was her big/first/main proposed "solution." I did not stay with her long. I agree that positive self-talk is good but negative self-talk was not the root of my issues.