I’m sorry you’re going through such a rough time. You state that you pay 4 yeshiva tuitions a year, but that if you were to pull them out of yeshiva only one would be affected by that (why is that?). Pulling children out of yeshiva sends a message that it is not important or a priority. Torah is like food for children; if you don’t nourish them when they are young they will not grow properly. I see several choices available: 1) is there another yeshiva nearby that has a lower tuition rate? 2) speak with the current principal regarding freezing tuition hikes until things improve financially 3) ask if you can get an additional discount by helping out the yeshiva in some capacity (I know well respected people who had financial difficulty who did this. 4) (if your kids are old enough) lay down the law to them. Tell them that you expect them to help with expenses in whatever way they can and to contribute half of their earnings to you. Maybe they can do babysitting.
I know what it is to live for the current day and not be able to save. We do not own a home and have no
savings, but would never consider giving up yeshiva.