Friend is friend.
Your financial issue is yours, never mix money and friend together.
Never buy or commit anything just because friend.

You need to calculate the advantage and disadvantage in between from now onwards.
Look the past (-35%) is not going to help you at all and irrelevant.

Ask yourself if you put 6K/year how much you can get next year or following years as compared to premature cancellation that loss -35%.
Are you financial stressed due to 6K aka need to resort personal loan, credit card loan etc.

eg. (I don't know your plan, just illustration)
cancel now get, recoup 8K
vs
continue to commit 6K, then next year become how much.

Can you be better financial or whatever with recoup the 8K and no commit 6K which total 14K in hand?

So need to dissect the number and situation, I believe you have the projection number of premature surrender and total possible return when your first signed up time.
Look at those table.