Hi Tinpis4,
you should refuse to pay for your instrument rating at all cost! Dont do it! I certainly hope you didn't pay for your CPL either.
What you need to do is heed the advice of so many experts and sit back and wait for an airline to come along and feel sorry for you. They will fund your instrument rating and your endorsemnt training.
There are hardly any endorsed and current pilots overseas wanting to move back to OZ so sit back at Bankstown and just wait for the phonecall.
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