I have been a member for several months and currently have a 45 image credit. I download images only sporadically so the image credit number stays fairly high. If I cancel my Adobe Stock subscription, I lose the image credits I have currently. At the rate i am going, I will have paid another $180 over the next 6 months and will have probably a 6-8 dozen image credit. Are there other solutions out there? The best is probably for a "shared account" but surely Adobe would take a dim view on that.
Your only real option at this point is before you cancel, be sure to license as many images as you can that you think you may need in the future.