While I agree with Bond that you should be there for your grandma's funeral, I do understand your wavering over the money.
If it is about the risk of bankruptcy, then stay fishing.
If it's about being financially uncomfortable for a year, well... you will have to weigh that in your own mind and then make your choice and DO NOT REGRET your choice...
If you think you would regret in the future that you were not there and you can survive the financial loss, then...
