Find a real airline, who value you (us) as professionals and don't require YOU to pay for the training THEY should supply.
Think about this: Should no one pay ratings themselves, then the airlines would have no choice.
eg. How many medical doctors do you know of who pay for training on the latest medical hi tech equipment? NONE!
It is WRONG to pay for your own ratings!!!
(I know it is an utopia, but it just angers me that airlines (some) are such Pirahnas)
Your question is valid though, and I have no good answer.
Pray for better times and a lack of trained professionals...
Good luck!