Mental Health Myths Debunked: The Truth About Affordable Therapy

When people think about therapy, one of the first things that often comes to mind is cost. Over the years, I’ve heard variations of the same statement: “I’d love to go to therapy, but it’s just too expensive.” Therapy in the private sector is often not affordable for folks without extended health care benefits. However, mental health support doesn’t have to break the bank. Today, I want to debunk a few common myths about therapy and shed light on the many ways people can access affordable, effective care.

Myth #1: Therapy in Private Practice is Only Accessible if You Have Coverage

Truth: Therapy is for everyone.

While it’s true that hourly rates for therapy can be expensive, there are also many professionals who offer sliding scale fees or student and intern therapists with low fees. Many therapists and agencies are committed to making care accessible, particularly for marginalized or underserved populations. If cost is a barrier, ask if reduced-fee options are available. You might be surprised by how many providers are open to discussing affordability.

Myth #2: You Get What You Pay For—Cheaper Therapy Isn’t Effective

Truth: The cost of therapy does not determine its quality.

Effective therapy isn’t about price—it’s about fit. A skilled, compassionate therapist offering low-cost services can be just as effective (if not more so) than a high-priced provider. What matters most is the therapeutic relationship, the approach being used, and whether the therapist is well-trained and aligned with your needs.

Some of the most transformative work I’ve witnessed has come from sessions that were low-cost or even free, often offered through student intern therapists, sliding scale offerings, nonprofit organizations, or short-term community programs.

Myth #3: If I Can’t Afford Weekly Sessions, Therapy Won’t Work for Me

Truth: Therapy can be flexible and still effective.

Many people believe therapy only “works” if it’s weekly and ongoing—but therapy isn’t one-size-fits-all. Depending on your goals and life circumstances, bi-weekly or monthly sessions, short-term models, or even group therapy might be a better fit. Some clients use therapy like a tune-up, checking in every so often rather than committing to an indefinite schedule. Therapy is meant to support your life, not overwhelm it.

Myth #4: Free or Low-Cost Therapy Means Long Waitlists or Limited Services

Truth: While demand can be high, there are many underutilized services.

Yes, some subsidized services come with waitlists—but not all. Community organizations and nonprofit organizations often have long waitlists, while private practice settings and student led clinics or intern therapists often have faster availability than you might think. Some offer same-week appointments. It’s worth doing a bit of research or asking a professional to help you navigate your options.

Myth #5: Talking to Friends or Reading Self-Help Books is Basically the Same as Therapy

Truth: Support from loved ones is important—but therapy offers something unique.

Friends and self-help tools can be incredibly helpful, but therapy provides a confidential, nonjudgmental space led by someone trained to help you navigate complex emotions, patterns, and mental health concerns. Therapists are trained to ask the hard questions, spot unhelpful thinking patterns, and guide you toward change—whether your sessions are $30 or $130 an hour.

The Bottom Line

Therapy isn’t just for folks who are privileged or in crisis. It’s for you. If you’ve been putting it off because you think you can’t afford it, I encourage you to explore your options. Mental health care should be accessible, flexible, and empowering. And in many communities, it already is—you just need to know where to look.

If you’re not sure where to start, consider connecting with our office manager, Stacy, to explore if Allison, our intern therapist, would be a good fit. Or if another therapist or our team are accepting clients at a sliding scale rate. If you currently have a therapist, ask them about your budget and needs. We’re here to help—and that includes making sure you can afford the support you deserve.

You are not alone, and help is closer (and more affordable) than you think.