I like this LLT. Good for you for taking steps to grow.

Re: the costs, does your T know the facts? I probably wouldn't ask directly either, but I probably would let my T know why I couldn't see her. Maybe she can't give a discount, but maybe she can and if she knew the facts she could offer? Or maybe she could come up with a creative way to make the wait till Feb. easier?

Sorry it's hard right now. Hang in there.