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My wife and I went to counseling without insurance. They will usually work out a payment plan with you. I was in a tight spot with money at the time, but it was one of the best investments I ever made. I learned a lot about how to communicate with my wife and the things I was doing that I would never have noticed. It does however need to be a two way street. You can change everything about yourself, but your wife also has to be willing to make changes in herself and want things to work.
Nothing against the church, but I don't think religion is going to be the answer to your problems and I'm not sure that the church counseling is going help.
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