Yup - when I changed jobs I had to take a pay cut and a huge source of stress was finances. It came up in general terms that I was struggling financially. After a while she offered a lower rate. I always thought I’d refuse, but really needed it and realistically, she wouldn’t offer it if she couldn’t afford it. Additionally, I’d been with her for several years and she knew i wasn’t trying to get a lower rate by talking about money. If that makes sense?

Sorry to hear you’re in a bind. If you have a good relationship with your T, bring it up - you might be surprised.