Best Affordable Online Therapy Options in 2024: Insurance, Sliding Scales, and More

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    We’ve tested, researched, and gathered some of the best affordable online therapy options to help you choose the right service for you.

    A quick look at the best affordable online therapy services

  • Best overall: Online-Therapy.com | Skip to review
  • Best for insurance coverage: Talkspace | Skip to review
  • Best for flexibility: BetterHelp | Skip to review
  • Best for people who are new to therapy: Calmerry Online Therapy | Skip to review
  • Most affordable: Open Path Psychotherapy Collective | Skip to review
  • Best sliding scale resource: FindTreatment.gov | Skip to review
  • Best group therapy: Mental Health America | Skip to review
  • Best for crisis help: Crisis Text Line | Skip to review
  • Best for therapy and psychiatry: Amwell Online Therapy | Skip to review
  • Best for in-person and online therapy: Grow Therapy | Skip to review
  • Mental health emergency

    Some of the mental health care options listed below may not be suitable in an emergency. If you or someone you know is experiencing a mental health emergency and is at immediate risk of self-harm or hurting another person:

  • Call 911 or your local emergency number.
  • Stay with the person until help arrives.
  • Remove any guns, knives, medications, or other things that may cause harm.
  • Listen, but don’t judge, argue, threaten, or yell.
  • If you or someone you know is experiencing suicidal thoughts, get help from a crisis or suicide prevention hotline. Try the 988 Suicide and Crisis Lifeline by dialing 988.

    Finding a therapist is a huge step in managing your mental health. But unlike a cold or the flu, mental health conditions — such as anxiety and depression — can take time to heal.

    This means that finding treatment via support groups or talk therapy can be a commitment. Depending on your budget and health insurance coverage, it can also be costly.

    Even with health insurance, you may still need to pay up front for therapy. Plans with high deductibles won’t cover any medical costs until the deductible has been met. Until that time, you’ll need to pay out of pocket for your appointments.

    Unlike a $10 to $30 insurance copay, many therapists may charge between $65 and $150 per session. In most areas, the cost of therapy is $100 to $200 per session.

    Luckily, cost-effective mental health services are available.

    To help you get started, we’ve provided a list of affordable mental health care options.

    Healthline’s picks for the best affordable therapy

    Best overall

    Online-Therapy.com

    4.8 (3.2k+) from online-therapy.comOnline-Therapy.com
  • Services offered: individual therapy, couples therapy
  • Cost: starts at $40 per week
  • Insurance coverage: not accepted
  • Healthline visitors get 20% off the first month. Discount is applied automatically.

    GET STARTED WITH ONLINE-THERAPY.COM

    *Price may vary.

    Healthline's review

    This online therapy platform bases its entire foundation on cognitive behavioral therapy (CBT), a form of talk therapy that can help people better identify negative thought patterns and behaviors.

    Not only can you meet with mental health professionals via teletherapy appointments, but you can also use the site’s array of resources, including worksheets, an online journal, and messaging with your therapist.

    There are different subscription plans available, with a price range of $39.95–$79.95 per week. New subscribers also receive 20% off their first month.

    Pros & cons

  • great for CBT
  • offers supplemental resources
  • offers new clients 20% off their first month
  • it's likely that you'll have to pay out of pocket
  • great for CBT
  • offers supplemental resources
  • offers new clients 20% off their first month
  • it's likely that you'll have to pay out of pocket
  • Product details

  • Therapy formats: virtual
  • Privacy: HIPAA compliant
  • App availability: not available
  • Therapy formats: virtual
  • Privacy: HIPAA compliant
  • App availability: not available
  • Best for insurance coverage

    Talkspace

    4.8 (29.2k+) from App StoreTalkspace
  • Cost: $25 copay or less; starts at $69 per week for messaging; $99 per week for video and messaging; and $109 for video, messaging, and workshops
  • Insurance coverage: Premera, Optum, Blue Cross Blue Shield, Aetna, Cigna, and more; FSA/HSA also accepted
  • Services offered: talk therapy, couples therapy, individual therapy, psychiatry, teen therapy, LGBTQIA+ therapy, therapy for veterans
  • Use code "HEALTHLINE85" for $85 off.

    GET STARTED WITH TALKSPACE

    *Price may vary.

    Healthline's review

    Talkspace is one of our top picks for online therapy apps, thanks to its array of subscription plans and payment plans. There are more than 3,000 counselors available with expertise in conditions and concerns, such as depression, anxiety, and addiction.

    According to our 2022 online therapy survey, 49% of Talkspace users would recommend the platform and their therapist to others.

    With insurance, copays average to $30. Prices without insurance range from $69 to $129, depending on what subscription you opt for. Plans include text, video, audio messaging, and live sessions.

    The service also offers psychiatry, which costs $249 for an initial evaluation and $120 for follow-up sessions. However, some apps might have hidden fees or additional subscription fees.

    What our tester says

    “This was the first online mental health platform that I tried, other than telehealth with my traditional therapist and psychiatrist via the secure app they use (Blue Jeans). Overall, I liked the flexibility of Talkspace, but because I am so used to a more traditional model, some of the features were not to my liking.

    “The sign-up process was quick and easy. The survey asked the right questions about my mental health history, and the therapist I was matched with was in touch pretty quickly. She was helpful in discussing the situation at hand; however, many messages she sent me sounded automated, which made me feel a little bit like a number rather than her patient.

    “I also found the service to be pretty pricey, even compared to using mental health services with insurance.

    “With traditional therapy you can schedule on your preferred frequency and pay as you go, such as one session every other week. With Talkspace, you do have scheduling freedom, but you’ll pay weekly for services.

    “That’s not my preference (and it adds up quickly!), though it is great that you can have weekly sessions or daily messaging for when a deeper level of support is needed.”

    — Christy Snyder, Healthline editor

    “This was the first online mental health platform that I tried, other than telehealth with my traditional therapist and psychiatrist via the secure app they use (Blue Jeans). Overall, I liked the flexibility of Talkspace, but because I am so used to a more traditional model, some of the features were not to my liking.

    “The sign-up process was quick and easy. The survey asked the right questions about my mental health history, and the therapist I was matched with was in touch pretty quickly. She was helpful in discussing the situation at hand; however, many messages she sent me sounded automated, which made me feel a little bit like a number rather than her patient.

    “I also found the service to be pretty pricey, even compared to using mental health services with insurance.

    “With traditional therapy you can schedule on your preferred frequency and pay as you go, such as one session every other week. With Talkspace, you do have scheduling freedom, but you’ll pay weekly for services.

    “That’s not my preference (and it adds up quickly!), though it is great that you can have weekly sessions or daily messaging for when a deeper level of support is needed.”

    — Christy Snyder, Healthline editor

    Pros & cons

  • easy-to-use platform
  • accepts a wide variety of insurance networks
  • easy to switch therapists if you want to
  • pricey initial appointments
  • easy-to-use platform
  • accepts a wide variety of insurance networks
  • easy to switch therapists if you want to
  • pricey initial appointments
  • Product details

  • Privacy: HIPAA compliant and NCQA accredited
  • App availability: iOS and Google Play
  • Therapy formats: text messaging, video chat, and audio messaging
  • Privacy: HIPAA compliant and NCQA accredited
  • App availability: iOS and Google Play
  • Therapy formats: text messaging, video chat, and audio messaging
  • Best for flexibility

    BetterHelp

    4.8 (374k+) from BetterHelp
  • Cost: $65 to $90 per week, billed every 4 weeks, depending on your location, preferences, and available therapists
  • Insurance coverage: doesn’t accept insurance directly, but you may be eligible for reimbursement depending on your plan
  • Services offered: individual; couples and teen therapy available through sister sites
  • Healthline visitors get 20% off the first month. Discount is applied automatically.

    GET STARTED WITH BETTERHELP

    *Price may vary.

    Healthline's review

    BetterHelp is an online teletherapy platform and app that offers 24/7 access to your mental health professional. You can have therapy appointments via texts, live chat, phone calls, and video calls. Insurance doesn’t cover the cost of BetterHelp, which can be $65 to $90 per week, depending on which plan you choose.

    From our survey, we found that 67% of BetterHelp users felt they were getting the best value from their service.

    You can also apply for financial aid, which will adjust your pricing based on your income and economic situation. You’ll be asked to fill out a questionnaire to check your eligibility.

    Learn more with our hands on BetterHelp review.

    What our tester says

    Our two testers had a good experience with BetterHelp. Laramy Applekamp, Healthline content project manager, said, “Signing up for BetterHelp was fairly straightforward (I can’t speak to selecting a subscription or financial setup, as I used a code directly from BetterHelp, but the rest was easy).

    “In under 20 minutes I was able to answer a detailed questionnaire to match me with a relevant therapist. I felt the questions did a good job being thorough … I was matched in about 18 hours, and was prompted to schedule my first session.”

    Parisa Syed, Healthline editor, also had a seamless onboarding for BetterHelp but found the process “a bit tedious because it was pretty detailed, but it helped me match with a pretty good therapist.”

    Syed stayed with her therapist for 3 months and thought she was good overall, but “there were definitely times where she was not 100% present. She seemed distracted though she chimed in and said insightful things when it felt right.”

    Applekamp switched therapists about four sessions in, citing that she “wasn’t meshing with them on a personal level. “Being able to switch therapists quickly and easily was very convenient, and reduced any anxiety that surrounded having to ‘fire’ my first therapist. After the initial session you’re then free to schedule up to three sessions at a time.”

    Our two testers had a good experience with BetterHelp. Laramy Applekamp, Healthline content project manager, said, “Signing up for BetterHelp was fairly straightforward (I can’t speak to selecting a subscription or financial setup, as I used a code directly from BetterHelp, but the rest was easy).

    “In under 20 minutes I was able to answer a detailed questionnaire to match me with a relevant therapist. I felt the questions did a good job being thorough … I was matched in about 18 hours, and was prompted to schedule my first session.”

    Parisa Syed, Healthline editor, also had a seamless onboarding for BetterHelp but found the process “a bit tedious because it was pretty detailed, but it helped me match with a pretty good therapist.”

    Syed stayed with her therapist for 3 months and thought she was good overall, but “there were definitely times where she was not 100% present. She seemed distracted though she chimed in and said insightful things when it felt right.”

    Applekamp switched therapists about four sessions in, citing that she “wasn’t meshing with them on a personal level. “Being able to switch therapists quickly and easily was very convenient, and reduced any anxiety that surrounded having to ‘fire’ my first therapist. After the initial session you’re then free to schedule up to three sessions at a time.”

    Pros & cons

  • financial aid available
  • option to choose text, live chat, phone, or video appointments
  • doesn't accept insurance
  • financial aid available
  • option to choose text, live chat, phone, or video appointments
  • doesn't accept insurance
  • Product details

  • Therapy formats: messaging, live chat, audio, and video sessions
  • App availability: iOS and Google Play
  • Privacy: BetterHelp's privacy practices have been subject to controversy; the company has been working with the FTC to undergo policy changes.
  • Therapy formats: messaging, live chat, audio, and video sessions
  • App availability: iOS and Google Play
  • Privacy: BetterHelp's privacy practices have been subject to controversy; the company has been working with the FTC to undergo policy changes.
  • Best for people who are new to therapy

    Calmerry Online Therapy

    4.2 (5+) from App Storetrasparent calmerry logo
  • Cost: from $50 per week
  • Insurance coverage: not accepted
  • Services offered: online therapy for a wide variety of mental health concerns
  • GET STARTED WITH CALMERRY

    *Price may vary.

    Healthline's review

    Calmerry offers two subscription plans from as low as $50 per week. You can choose between a text therapy plan ($50 for the first week and $57 per week after that) and a live video therapy plan ($67 for the first week and $80 per week after that).

    After signing up for the platform, you’ll be assigned to a licensed therapist. All your information is protected by HIPAA.

    According to Calmerry, the mental health professionals available can address a myriad of mental health concerns or needs, including:

  • anxiety, depression, and stress
  • relationships, marriage, and pregnancy (prenatal and postpartum)
  • anger management
  • grief
  • LGBTQIA+ relationships and sexual identity
  • neurodiversity-affirming care
  • What our tester says

    “Compared to Lyra and SimplePractice (my only other online therapy experiences), Calmerry was similar. The user interface was a tad clunky and took a couple more clicks to navigate.

    “However, I really liked the option to keep a therapy journal and choose to share each entry with my therapist (or not). I found that useful for tracking my progress and completing therapist-assigned ‘homework.’

    “I also liked the additional resources/handouts available. There seemed to be wide availability of therapists for specific needs.”

    — Crystal Hoshaw, Healthline editor

    “Compared to Lyra and SimplePractice (my only other online therapy experiences), Calmerry was similar. The user interface was a tad clunky and took a couple more clicks to navigate.

    “However, I really liked the option to keep a therapy journal and choose to share each entry with my therapist (or not). I found that useful for tracking my progress and completing therapist-assigned ‘homework.’

    “I also liked the additional resources/handouts available. There seemed to be wide availability of therapists for specific needs.”

    — Crystal Hoshaw, Healthline editor

    Pros & cons

  • therapists available for many different needs
  • affordable subscription pricing
  • option to track your progress using the online therapy journal
  • doesn't accept insurance
  • offers only two subscription models
  • therapists available for many different needs
  • affordable subscription pricing
  • option to track your progress using the online therapy journal
  • doesn't accept insurance
  • offers only two subscription models
  • Product details

  • Privacy: HIPAA compliant
  • App availability: iOS and Google Play
  • Therapy formats: text, live video
  • Privacy: HIPAA compliant
  • App availability: iOS and Google Play
  • Therapy formats: text, live video
  • Most affordable

    Open Path Psychotherapy Collective

    Open Path Psychotherapy Collective
  • Cost: $40 to $70, depending on the type of session
  • Insurance coverage: not accepted
  • Services offered: in-person or online psychotherapy
  • GET STARTED WITH OPEN PATH COLLECTIVE

    *Price may vary.

    Healthline's review

    This nationwide network of mental health professionals provides mental health assistance for $40 to $70 per session. Unlike more extensive mental health directories, this website includes only sliding-scale therapists in its searchable database.

    You can choose to see a counselor in person or online. When using the database, you can narrow your search down by filtering for:

  • specialty
  • modality
  • treatment orientation
  • race or ethnicity
  • age
  • language
  • Pros & cons

  • offers the option to see someone online or in person
  • affordable price
  • offers lower cost services with student interns
  • offers the option to see someone online or in person
  • affordable price
  • offers lower cost services with student interns
  • Product details

  • Privacy: HIPAA compliant
  • App availability: none available
  • Therapy formats: in-person or online
  • Privacy: HIPAA compliant
  • App availability: none available
  • Therapy formats: in-person or online
  • Best sliding scale resource

    FindTreatment.gov

    FindTreatment.gov
  • Cost: free
  • Insurance coverage: not needed or accepted
  • Services offered: matches you with therapists and treatment centers
  • GET STARTED WITH FINDTREATMENT.GOV

    Healthline's review

    Part of the Substance Abuse and Mental Health Services Administration (SAMHSA), FindTreatment.gov is a website that allows you to search for sliding-scale therapists and addiction treatment options in cities across the United States.

    The resource is free to use, and rates will be determined by your income. There’s also an option to search for free services.

    You can also call SAMHSA’s helpline any time at 800-662-HELP (4357).

    Pros & cons

  • completely free
  • can search for free resources
  • available both online and via phone
  • doesn't provide therapy; instead, it helps users find mental health professionals within their budget
  • completely free
  • can search for free resources
  • available both online and via phone
  • doesn't provide therapy; instead, it helps users find mental health professionals within their budget
  • Product details

  • Privacy: N/A
  • App availability: none
  • Therapy formats: N/A — connects users with mental health professionals, support groups, and treatment options
  • Privacy: N/A
  • App availability: none
  • Therapy formats: N/A — connects users with mental health professionals, support groups, and treatment options
  • Best group therapy

    Mental Health America

    Mental Health America
  • Cost: free
  • Insurance coverage: not needed
  • Services offered: connection to support groups and other mental health resources
  • GET STARTED WITH MENTAL HEALTH AMERICA

    Healthline's review

    Mental Health America lists specialized support group resources on its webpage. If you or a loved one has recently received a diagnosis of a health condition such as cancer or diabetes, hospital social workers can also provide a list of support groups in the community.

    Specialized support groups available on the Mental Health America website cover a wide range of experiences and conditions, including caretaking and living with ADHD.

    What else to know about mental health support groups

    People experiencing eating disorders, postpartum depression, alcohol and substance use disorders, and grief or loss may benefit from attending a support group.

     

    Pros & cons

  • free resource
  • helps users find support groups
  • doesn't offer direct therapy
  • free resource
  • helps users find support groups
  • doesn't offer direct therapy
  • Product details

  • Privacy: N/A
  • App availability: none
  • Therapy formats: N/A
  • Privacy: N/A
  • App availability: none
  • Therapy formats: N/A
  • Best for crisis help

    Crisis Text Line

    Crisis Text Line
  • Accepts insurance: no
  • Services offered: individual therapy
  • Cost: free
  • GET STARTED WITH CRISIS TEXT LINE

    Healthline's review

    The Crisis Text Line is a free service available to anyone who is experiencing a mental health crisis. You can use this service if you’re feeling like you need or want to talk with someone about something that’s causing you stress, anxiety, or discomfort or if you’re considering self-harm or having suicidal thoughts.

    Crisis Text Line responders are all volunteers, which means they’re not mental health professionals. They can’t offer medical advice, but they are trained to listen, support you, and possibly provide advice and help you feel calmer.

    People in the United States, Canada, and Ireland can access it in a few ways:

  • texting HOME to 741741
  • using the chat on the website
  • using WhatsApp to chat online or on your phone
  • If you’re in the United Kingdom, text SHOUT to 741741 to reach the Crisis Text Line.

    Pros & cons

  • completely free
  • option to text or chat online, depending on what you're most comfortable with
  • available in the United States, the United Kingdom, Canada, and Ireland
  • best for a mental health crisis
  • not for therapy or psychiatry
  • designed to be used in emergencies
  • completely free
  • option to text or chat online, depending on what you're most comfortable with
  • available in the United States, the United Kingdom, Canada, and Ireland
  • best for a mental health crisis
  • not for therapy or psychiatry
  • designed to be used in emergencies
  • Product details

  • Therapy formats: virtual
  • Privacy: HIPAA compliant
  • App availability: not available
  • Therapy formats: virtual
  • Privacy: HIPAA compliant
  • App availability: not available
  • Best for therapy and psychiatry

    Amwell Online Therapy

    4.9 (43.1k+) from App StoreAmwell
  • Insurance coverage: Academic Health Plan, Aetna, Anthem, APWU, Blue Cross Blue Shield, and 40 more
  • Services offered: therapy, psychiatry, nutrition counseling, women’s health, breastfeeding support, pediatrics
  • Cost: starts at $99 for therapy; starts at $199 for psychiatry, plus $95 follow-up visits
  • GET STARTED WITH AMWELL

    *Price may vary.

    Healthline's review

    With Amwell, you can meet with a therapist for talk therapy and a psychiatrist. The site provides counseling for many mental health concerns, including:

  • anxiety
  • depression
  • post-traumatic stress disorder or trauma
  • life transitions
  • couples therapy
  • Visits start at $99, and insurance may cover some of the costs.

    Pros & cons

  • option to see both a therapist and a psychiatrist through the platform
  • possible insurance coverage for some costs but not all
  • doesn't offer a subscription, so you'll have to pay per appointment
  • option to see both a therapist and a psychiatrist through the platform
  • possible insurance coverage for some costs but not all
  • doesn't offer a subscription, so you'll have to pay per appointment
  • Product details

  • Privacy: HIPAA compliant
  • App availability: iOS and Google Play
  • Therapy formats: video
  • Privacy: HIPAA compliant
  • App availability: iOS and Google Play
  • Therapy formats: video
  • Best for in-person and online therapy

    Grow Therapy

    4.1 (1.7k+) from Trustpilot
  • Cost: starts at $24 with insurance
  • Insurance coverage: accepts most major insurances; working on expanding list
  • Services offered: talk therapy, medication management
  • GET STARTED WITH GROW THERAPY

    *Price may vary.

    Healthline's review

    Grow Therapy offers a wide search database so you can be as specific as you want when you’re trying to find a good therapist match, or a person for medication management. Their platform allows you to search for a therapist by specialization, identity, location, and whether you’d like the session in-person, virtual, or both.

    Once you find a therapist you think matches your criteria, the profile shows you how much that therapist charges per session without insurance. No digging around for prices here.

    Though insurance is accepted, Grow Therapy also allows payments from health savings account (HSA), Medicaid, Medicare, and Employee Assistance programs.

    Pros & cons

  • a diverse search platform
  • talk therapy and medication management is available
  • in-person and online therapy options available
  • no sliding scale options
  • since they're newer, not all insurances are accepted yet
  • no app or text therapy option
  • a diverse search platform
  • talk therapy and medication management is available
  • in-person and online therapy options available
  • no sliding scale options
  • since they're newer, not all insurances are accepted yet
  • no app or text therapy option
  • Product details

  • App availability: no
  • Privacy: HIPAA compliant; encryption and secure patient portals are used
  • Therapy formats: in person, virtual
  • App availability: no
  • Privacy: HIPAA compliant; encryption and secure patient portals are used
  • Therapy formats: in person, virtual
  • Comparison table of best affordable therapy services

    CostInsuranceType of therapy available
    Online-Therapy.com$39.95 to $79.95 per weeknot acceptedvirtual
    Talkspaceaverage $30 copay with insuranceyes; covered by many plans, FSA/HSA also acceptedtext, video, and audio messages
    BetterHelp$65 to $90 per weekno, but may be eligible for reimbursementmessaging, live chat, audio, and video
    Calmerry Online Therapy$50 to $80 per weeknot acceptedtext, live video
    Open Path Psychotherapy Collective$40 to $70 per sessionnot acceptedin-person or online
    FindTreatment.govfreenot needed or acceptedconnects people with treatment options
    Mental Health Americafreenot needed
    Crisis Text Linefreenovirtual
    Amwell$99 to $199 per sessioncheck with networkvideo
    Grow Therapyvaries by professionalyesin-person, online, or both

    Our experts have carefully researched and vetted over 35 online therapy platforms to make sure everything we feature meets our standards. We fact-check health claims, evaluate ingredients, and look into each brand’s reputation before sharing products on Healthline.

    Additionally, our team has personally tested 8 online therapy platforms out of the 35 we have vetted.

    How we chose the most affordable therapy options

    To narrow down our list of the best affordable therapy options, we took a few factors into account:

    Accessibility

    Some affordable therapy platforms are available online, allowing users to talk with their counselor from the comfort of their home. However, this isn’t the most accessible option for everyone, so we made sure to include an array of directories, apps, support groups, and more.

    Mental health expertise

    Each platform, site, and app on our list is guided by folks who are well-versed and trained to offer mental health assistance.

    In 2022, we conducted an online therapy study to find out how and which platforms were most used and what factors drew them to those particular online therapy services.

    Medical review

    Our team of medical experts carefully vetted each option in our roundup, and a mental health professional from Healthline’s Medical Network reviewed this article to provide insights, offer advice, and verify that all information is correct.

    Nothing stand out to you on this list?

    Here are some more places to get started:

  • Free or low cost online therapy
  • How to know if your insurance covers therapy
  • Best online therapy
  • Online psychiatry services
  • How to choose a therapist

    Even if you find a platform or mental health professional in your budget, they might not be the best fit for you.

    It’s important to know this is completely OK and actually quite normal. It can take some time to find someone who is a great match for you, whether that means they’re culturally competent, are a person of color, are familiar with specific traumas, or have different specialties.

    You’ll know your therapist is a good match when they consistently make you feel comfortable and welcomed.

    If you don’t think they’re a good match, communicate that to them by asking them not to schedule another appointment. This can be done face to face or over a text, call, or email.

    Other affordable mental health care and therapy options

    You can find free or low cost therapy in a number of different places. The following list includes resources for one-on-one appointments, group therapy, online offerings, and more.

  • Community clinics and resources: Free therapy may be available in your local community. To find a clinic in your local area, contact the National Alliance on Mental Illness HelpLine or go to MentalHealth.gov. Places like community centers, hospitals, and schools may run free programs, like support groups. Publicly funded state-run services may be another option for free or low cost therapy.
  • Sliding-scale therapists: These professionals adjust their hourly fee to make therapy more affordable for the client. Finding this therapist may be a good option if you need to pay out of pocket, but make sure to check if the therapist is accepting sliding-scale clients. If you need help for a specific condition, search for a specialist who is trained in the area you’re looking for and is able to slide their scale.
  • Local colleges and universities: Many colleges and universities with mental health practitioner programs may have clinicians in training who offer reduced rates. These clinics are usually open to the public, and they offer sliding-scale fees that can be as low as $1. These clinicians in training typically work under the supervision of experienced professionals.

    Read more

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