I wouldn’t rule out charity funding just because of your income.
Always being sceptical of what the LA tell you and checking if it is actually true is a good lesson to learn this early rather than years down the line.
As well as specific therapies such as CBT (adapted, hopefully), DBT, EMDR, etc. CPs can offer more general psychoeducation around things like emotional literacy, window of tolerance, grounding, helping develop a toolkit for when become dysregulated, looking at ways to prevent a repeat of burnout, managing demand avoidance, narrative work. There’s much more to it than that but you get the idea. Some CPs can undertake less traditional work such as animal-assisted therapy.
It depends what you want. A CP can just undertake assessment work, so e.g. assess and write a report. But they can also be involved on an ongoing basis. Some only offer the former, some only the latter (although it will still involve some assessment in order to be able to treat, it won’t be a full in-depth assessment and report).
Then there is the indirect work. So things like working with you, school, other professionals, updated advice and information and writing a report for MDTs/ARs and attendance at meetings.