Clipped Wings,
Talk to some of the flying schools at BK about the instructor rating, i'm sure you can qualify for a VET/HECS (government sponsored loan),
to do the rating, if you complete the course within 6 months.
(push it so you get this loan, some people got a 400K HECS debt, doing multi university courses then leave the country)
It's virtually free (usual cost 23K), repayments, 5% of your wages per year, when earning 50K and onwards.
Once you get started, it will feel like riding a bike again.
Don't under estimate you're own ability, you'll blitz the course.
You did this work before, so it's nothing new to you.