I agree with any above posters who think she’s doing ok having a car and a gym membership while she relies on you to pick up £290 a month on average worth of therapy for her. She either doesn’t know the full state of your debt or she doesn’t care.
I think there has to be a talk about how proud you are of her but that you won’t be able to rack up much more credit card debt so we need to think now about what we can afford together long term to ensure you have support going forward.
Presumably the therapist doesn’t work every day and your daughter goes on say a Tuesday and Friday (or whatever) set days.
So she therefore will do one session after three days and the next one after four days to get two in a seven day period.
So we know your daughter can manage four days.
So you could move to every five days instead of four for two weeks. Then the next fortnight it’s every six days. Then weekly, then eight days etc.
Or start one weekly session in person session with a 50% shorter top up phone session later in the week so she feels supported.
Or one weekly session that’s regular length and one shorter.
If she says she can’t cope on less then remind her that she has the choice to spend her own money on this.
I think the key is talking about it.
Are there other expenses either if you could cut down on? Is her car in a contract so she’s stuck?
She needs a reality check.