Interesting
Hi Mate
If i had three months to spare i would get a job and bulid up some spare cash just to assist with loans and any over spend in your flying. If spare cash available i would maybe do an IMC rating as it will assist with the IR or do your IR with another school it doesnt matter where you do these things now i reckon as long as you come out of it all with a CPL and IR/MEP and all 1st time passes you will have no problems.
All the advice i have been given is to get it done as quickly as possible as the market is here now.
Regards
Phil