affordable therapy Raleigh that isn't a student clinic

I keep getting referred to NC State's training clinic where grad students see clients at reduced rates but I'm not comfortable being someone's practice patient, I need an actual licensed therapist not someone learning on the job.

I get that training clinics serve a purpose but I've had bad experiences before with student therapists who didn't know what they were doing, one missed obvious signs of an anxiety disorder and just thought I was stressed about school, took me six months to figure out I actually needed treatment.

Problem is licensed therapists in Raleigh charge one twenty to two hundred per session if they don't take insurance and most of them don't, the ones who do take insurance are booked for months, feels like you either pay a fortune or risk getting inadequate care from a trainee.

I have okay insurance through work but limited mental health coverage only like twenty sessions a year and those go fast, trying to find someone who takes insurance and is actually experienced and available feels impossible.

Starting to think I should just commute to Durham or Chapel Hill because maybe the options are better there, but that's like thirty to forty minutes each way which is a lot to add to therapy appointments.

Anyone found affordable experienced therapists in Raleigh or is everyone using training clinics or paying out of pocket?