Thank you so much for all the great advice everyone. I have decided that it really isn't fair for me to ask her to pay for Bear any longer then I already have. I'm just happy I got to spend the time with him that I have gotten. I love this horse with all my heart and though I do not think it is best for him or I to part ways, it is best for my family.
Thank you so much for talking me through this, I don't know what I would do without you, Horseforum.
You can never take a Thoroughbred away from a horse crazy girl.