Yup, it will come down to deciding which is more important to you: your love of your art, the training and the dojo... or keeping your financial situation completely a secret, and suffering as a result. Personally, I'd go with the first option! But I've had plenty of experience of having to swallow my pride.
You'll never know unless you talk to your teacher, Maybe he would let you pay dues on a sliding scale. Wouldn't it be a shame if you resigned, and found yourself missing your training and dojo, and suffering... when all along, you could have been happily training.
Go for it. And, good luck.