By Jen Heger - Breaking Celebrity News Assistant Managing Editor

Lindsay Lohan, who is facing significant jail time, desperately wants to see a psychiatrist, but the troubled actress is telling her close friends she doesn't have any money to do so, Breaking Celebrity News is exclusively reporting.

"Lindsay is overwhelmed at the prospect of going back to jail and believes that a psychiatrist can help her through this trying time of her life. However, Lindsay has a huge problem, she can't afford to pay a good shrink because she literally has no money," a source close to the situation tells Breaking Celebrity News exclusively.

"Her health insurance would only pay about 20 percent of the mental health bills, and the docs that she wants to see charge $250-$300 an hour," the insider added.

As Breaking Celebrity News previously reported, the Liz & [expletive] star is swimming with debt so monstrous that even the IRS is after her, but according to her father, her management team has turned down more than $100,000 in job offers lately.

Michael Lohan says that he is furious with Lindsay's new reps at ICM because he has learned that they have