It sounds like you have a severe communications problem between you and your "partner".
What you should do is have a sit down with her and tell her exactly what's going on. Tell her how much you screwed up by thinking you would be able to solve the problem on your own and not letting her in on what was going on until it was too late.
You thought you could go it alone and it turned out that you couldn't. It happens to most of us. Ask her if she would be willing to help. You are partners, yes? If she asks how she can help, tell her the thruth - that you don't know, but two minds going over the whole situation and the options for getting out of it would be much better than one.
If she says something to the effect of "you got us into this mess, now you get us out". Well, other than counseling, I don't know what to say.
As for money, there are a LOT of holiday jobs out there. Find at least two of them to do until after the new year. Put the training business on hiatus until January 8.
For marketing to get some real business after that, some great books are:
"No BS Sales Success" Dan Kennedy (Plus all his other books eventually)
and anything by Zig Zigler.
As for future plans. You and your partner(s) need to do some mindstorming. One idea; pack your schedule/raise rates during the up-time and use the down-time to bone up on your skills, take a breather.
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