Sounds to me like this is information that you have to get to him, one way or another. If you can't bring yourself to tell him face to face (and I know that's hard, I have problems with that too sometimes), could you email him? Just say something like, I don't know why I can't tell you this in session, but I really want you to know this, and then insert the explanation you wrote above? If he doesn't do email, write something up and mail it to him, or hand it to him first thing during your next appointment for him to read himself? It sounds like real life is building up fast, and I just think it would feel better to have someone else on your side to help you navigate your way out of the problems, sooner rather than later. Just my two cents. Good luck.