I'd be tempted just to blame Bill10. Something along the lines of with Bill 10 taking effect I have to seek a new career to provide for my family. Then the end dates and details about final payments.
If they ask in person tell them you are going to go back to school to get a new career to better provide for your family.
In writing, no need for the details...if they are upset they may read it as you being "selfish and putting yourself first before them". Obviously you SHOULD put yourself first but they won't be in the mindset to appreciate that. Just tell them it is time for a new career as you can't continue with bill 10 taking effect. It is factual (partial truth) and lets them know it isn't you just wanting to go to school and having held off this long to tell them.
Good luck!!
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