At some point everyone needs help. 

Life plans are stalled, relationships seem dysfunctional, moods go up and down, anxiety seems overwhelming, and even occasional periods of happiness remain elusive. You may feel stuck in a dead-end job with no solutions in sight, and the pressure to succeed is mounting rapidly. You may have difficulty deciding what to do or where to turn. You would benefit from a few good sessions of counseling or psychotherapy!

Many people, when faced with the prospect of entering therapy for the first time, have difficulty finding a therapist or counselor who understands their problems and has the background and ability to treat them competently. 

For one reason or another, they would rather not use their limited insurance benefits (if they have any) to have the insurance company select a therapist who will report their psychiatric diagnosis and treatment plan.

But finding a suitable professional who will maintain their confidentiality and help them with their problems can be costly!  Many people cannot afford to pay cash to a professional counselor, even when therapy is strongly advised.