Not alส clients can afford to pay the entire cost of private music therapy services! Professional music therapy codes of ethics in Canada and the United States require music therapists to take into account the client's ability to pay, as the client's needs and welfare are more inlportant than financial considerations. Although data are not available, it is likely that at least some music therapists in private practice may offer sliding-scale fees for clients (based on income) who are unable to pay the full rate. Therapists may also consider payment schedules over a more extended period of time for clients experiencing financial difficulties.