I absolutely hear and respect your decision not to continue. I always want to give people a safe place to say no and I only ever want to be your best idea. If you have a better idea to get to your worthy goals, including trying to do it on your own, then I absolutely respect that.

But may I ask you:

If it weren’t for the money is this program the ideal path for you to reach your goals of ("1 year goals")?

On a scale of 1 to 10 question

What would it take to bring it to a 10 ?

Once  she has confirmed that the program IS THE BEST IDEA. You might need to ask.
From where you are now, and to sustain these results you've gotten so far and to get to your (1 year goals), do you think this one year of advanced ongoing support is the best way to reach that? Or do you have a better idea? 

Okay. So we know this is your best idea to maintain and attain your desired results, so what is your main concern about moving forward with this? 

“I just don’t have the cash”

Do you see the value in this program? Does it seem worth the investment to you have (overcome ICP and get DCT) ?

“Yes. I just don’t have the cash”.

(Note.
If they don't have an ICP or want a DCT this program is useless and they will say no. It does not matter how cheap it is. So very important to delineate the new ICP and new DCT. )

Okay. Let's look at some options to make it more doable for you

Does the 8 monthly payments of XXX work better for you? 

How much can you invest per month to get your (ICP >DCT)?

Who do you know that could help you - or lend you money to fill in the gap to get your life back. Once you are feeling better, all sorts of opportunities open up. People generally are able to work again, care for themselves, get off meds, etc. etc. Who do you know or what other options do you have? Sometimes people will sell something to make up the difference.

>>>>>>>>>>>>>

If they do NOT want it, do NOT see that they have an ICP or do not want a DCT or have no idea where money would come from ... Bless and release.

But before you do. Have them tell you their best idea to do it on their own. HELP THEM as much as possible. And just know that half the time they won't even if you KNOW it is the best decision they could make for themselves. They get to CHOOSE where they spend their time and money.