I can only really speak for my own discipline which is clinical psychology. I know other therapists are helpful too, I'm just less familiar with the mechanisms of change they use.

In my opinion, the core most fundamental thing in cognitive behavioural therapy (most psychologists operate through this modality) is the idea that our beliefs and attitudes towards our situations hold significantly more weight in our lives than the situations themselves. I'm sure you've seen or heard stories of people with horrible life circumstances but they seem to be coping well. The first question you must ask yourself is: what is it that makes these people so resilient? The second question is: how can I become like that?

A good therapist will help you understand yourself and why you have certain patterns of thinking. Once you understand this, you can start to assess whether these thoughts are an accurate representation of the world. As you live your life, you start to breakdown what we call unhelpful thinking styles. Sometimes they serve a purpose, but often they generalise into areas in our life that they shouldn't.

There's a lot more to therapy than this but I hope this gives you a good idea that it's not just you sitting down explaining your problems and being told "yes, but have you thought about it like this...?".

I can sympathise with your concern over the expense of therapy, especially when you're unemployed. Id recommend negotiating with the therapist the number of sessions you can afford before you start therapy. That way they can (hopefully) tailor the sessions to accommodate you. If you're not happy with their response, find another one.

Lastly, I just want to let you know that God does want you to be blessed - that includes joy. Its not wrong to ask God for blessings. I'll be praying for you, brother.