Why do you need a single pilot IR if you are paying for a type rating with an airline that will give you a multi pilot IR as part of the LPC/OPC at the end of the course? Ask them. You're not likely to ever need it again if you pass your rating and land the job. Why waste the cash when it could be better spent paying of all those loans?
I was in a similar situation several years ago, and the airline I now work for didn't really care about the IR as they were about to pay for the multi pilot IR anyway. Just talk to them and see if it really does matter.
BTW good luck!