A psychologist can evaluate how bad your problem is and whether he or she thinks you need medication. I think the question boils down to, how badly is your condition affecting your life? If it's so severely disrupted that you can't function well, that's when medication is appropriate. If you're still functioning okay then try other avenues first, given that medication is not risk free. In simple terms, if you need it to live, you need it; if you don't, you don't. Make sure your therapist specializes in anxiety treatment, because most of them don't.