Your skills might still increase dealing with a different horse. All horses have something to teach us. Spending time on things you missed will also make you a better ride. I can tell you that from experience. I had to learn to ride all over again with my current horse. It has made me a better rider. I don't think their is anything wrong with that. Riding is a life long process.
I am not sure where you live but perhaps you could put an add on craigslist or make a sign in the feed store offering to ride someone horse. I know in my neck of the woods their are people always looking for someone to ride extra horses.
And OP, if by benefits, you mean food stamps? Then you need to realize that you at this point can't afford lessons. Period.
Have you asked about cleaning tack, or cleaning office, or even BO's car/truck in exchange for lesson?