I'm not picking on your position or trying to bring you down, as I don't know all the details. But do you have health benefits through your job and if so, what do they cover? It costs me $15 per visit for a co-pay and actually the first 5 visits are free per incident.
miseryloveselders is correct. You don't need a therapist to tell you you are depressed. But I am a firm believer in their help. They are able to assist you in seeing things from a different perspective as well as help you to find some deep rooted causes that you may not be aware of or accept, but in reality are contributing to your depression.
I can side with you on the financial side for the most part. But are there perhaps somethings you can stop spending money on in the meanwhile? And even as far as time, along the same lines?
If it is going to help you, be proactive. FIND/MAKE THE TIME/ADJUSTMENTS! It is for YOUR benefit and sanity.
I wish you the best.
CoC