Many therapists offer sliding scale payments, usually on a limited number of slots, which consists in an agreement between the therapist and a client to pay a reduced rate. Therapists who provide such arrangements often consider the client's income or ability to pay, but the extent of the discount is ultimately at the therapist's discretion. Furthermore, while group therapy may have different goals and benefits compared to individual therapy, it can be a more affordable solution to address certain types of issues.
If you are struggling to access therapy due to budget constraints, you could also consider public funded mental health services. The Better Access Scheme is a government program offering Medicare rebates for mental health care. To access the program you will need to be assessed and diagnosed by your GP and get a Mental Health Plan. This will allow you to receive up to 10 individual sessions and 10 group sessions a year with practitioners who accept bulk billing, with no out of pocket costs for you.