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The Premium styles don't continue if you downgrade. I don't know if there is an auto substitution but at worst your site will be unpublished, but still within My Yola until you re-select a relevant style.
If it's a cash flow issue, I'm more than happy to help you out for a limited time by you using my account. If this helps please let me know by sending me an email: email@example.com
What style are you currently using? Unless you are utilising the secondary menu functions then it's probable that you can pick something almost identical from the non-premium styles.