I agree that skating is for FUN. If you're not having fun there's no point in being on the ice, regardless of how much you're spending.
Having said that, it sounds like you need to make a choice for competition reasons.
I come from a freestyle/dance background and am now in a club that is only dance. I will be upfront about the fact that, although it scares the bejeezus out of me, I do like to jump. I miss that a little bit, but I also really like dance. It really does allow you to really focus on those basic and fundamental skills, while helping your technique and posture. If you choose to do dance, which it sounds like you'd do if not for $$ reasons, then I don't think you'll regret it, in terms of what you do on the ice. At least here in France, solo ice dancing is well developed, and they do pretty much everything but jump. When I saw the first exhibition, in fact the programs were so similar I thought the coaches told them "no jumping" just to avoid unnecessary injuries!
As a point of curiosity, if this season you chose solo/freestyle, would you still be competitive if you didn't jump? As said in a previous post you don't have to put jumps in your program. The coaching situation may also change down the road, allowing you to switch to dance in the future. At the beginning, there really isn't that much difference- there is a lot of overlap with the fundamentals.
I wish I had a magic solution for you in terms of the coaching fees. Skating is a bloody expensive sport, and it sucks for that. My best suggestion is to be very upfront and be willing to discuss things. You never know what interesting solutions your coach/a friend might come up with.
Please don't put too much pressure on yourself, as you said you've done a LOT since January, and have quite a bit on your plate. You're doing awesome, and you have your.whole.life ahead of you to skate. What's important is that you keep enjoying yourself; as long as you're having fun everything will fall into place.