Hi,
I wouldn't worry about the lower fee. Consider it a blessing that she's willing to be flexible. I'm on SSI and so have limited means for therapy, and I've interviewed many therapists who for whatever reason can't slide their fee.
Secondly, If taking a break feels right for you then go for it. I'd make sure to come back around August since it sounds like you'll have a lot going on then. The longest break I had from therapy was about a year and a half. Had a really crappy therapist sophomore year of high through, through summer of that next year. So took a break senior year of high school, and was a total mess by the end of the year. I was just keeping way too much stuff inside and basically had a breakdown. Got my depression diagnosis though. Which was good. Hope this helps.