You deserve the rant! You also deserve huge kudos for getting on top of your bills that fat! Good for you!
Okay, 2 questions...
#1 Have you called and talked to the jujitsu people and asked what the cancellation fee is? I personally would tell them about your bone disease and that you need the extra money to deal with other bills and ask how to get out of the contract.
#2 Is there something that HE can cut back on in order to pay HIS bill?