Hi there,
I agree, I waited 2.5 years for a job and was tempted at times to pay for a type rating. I got an instructors rating and worked as an instructor for 6 months. I learned a hell of alot and i think it held me in good stead for subsequent interview. I've now just done base check with my airline and I've not had to pay up front for the rating.
Hang in there try not to fork out lots of money and you'll get a job, the industry is on the up!!!
Ali1
P.S A few guys on my course who had paid for a rating had to do the whole thing again!!!