Any Contract Nurses?

Hi all. I have missed you all and hope you are enjoying your summer. I have to ask if there are any nurses that contract with your school(s) for your school nurse services? My job has been completely restructured due to budgets. I am being offered to Contract 1 day a week with 2 of my schools. I love my job and do not want to leave it, but I don't know if I can afford to stay or if the legalities are too scary. I have been a School Nurse for 23 years and am really at a loss. My heart is broken at the thought of leaving, but I don't want to do something stupid either. If there is anyone that can give me some talking/negotiating points...I would so appreciate it. One of my biggest questions are- Since I will be working somewhere the other 3 days a week, how is this normally handled when something comes up that I can't come to school for ?(because I am working at something completely different on my days that I am not at school).

Thank you.