Just a thought but maybe go to one of those gyms and talk to them, explain what happened and how you can not pay that much, but would they let you join for a couple months for just the fee, without the sign-up costs. I would also talk to your current gym about suspending your fees for at least a month, since you say you only go to use the pool and the pool won't be available. I have found some gyms are great and want to make you happy, some just want your money. You never know until you try though.

Just a thought.

Sorry about the troubles, sounds like it couldn't have happened at a worse time.