Failed a level?! Man..I would quit now....especially if you are worried about the money. getting through aff might be the cheapest part of skydiving.
Maybe you should try bribing your Instructor
just kidding.......I know it seems like a big deal now...and thats why relaxing is such a problem. if you cant relax dont worry about it. I fly just fine all freaked out. just get your freefall tasks done, pull, and get through aff. Its not like your actually learning to skydive during aff anyway.
dont take it so seriously...you will laugh about all of this later.
keep your head up and have a good time...thats all its for anyway