Should also add that quite a few private counsellors will offer concessions as well. While I wasn't working I managed to find a really good one who was only charging me £15 a session. The problem is that if you are feeling unmotivated in the first place it can be difficult to ask for it.
Once I'm qualified in six months or so though, that is definitely something I will be doing.
Yeah there are a lot of charities which offer reduced rates for counselling for those who can't afford it, but I agree the provision made by the NHS is woefully inadequate.