Your health and your baby's health comes first. Having said that, if you desperately needed the money I'd say try to carry on - you're in the position I once thought I'd be in - it's tough if you haven't even qualified for MA. Having said that, I notice you said you're not going back on supply - does this mean that you're going to be a SAHM? If so, you'll be living on OH's money alone anyway and fairly soon as you're already 31 weeks. Your tuition will bring in some money so keep that going if you can but I don't think you should feel any obligation to your agency. You said you haven't even had enough work to get MA so they haven't been doing much for you! I know you and your OH have waited a long time to be parents so don't feel guilty about money - you are going to make your OH a dad soon and it sounds like he is only to glad to support you financially. Good luck.