From the bank's perspective, unless you have collateral or an income then you have to go back to the job - though momentum is lost, the problem from their perspective is that they won't be able to differentiate you from the many others with fATPL and modular training by the time you qualify, and require some sort of assurance that you will repay.
Obviously this creates a problem from your perspective, however just go back to a job and work as hard as you can to achieve the goal.
I don't think there is any other choice as banks will all assess their credit risk in the same manner - based upon the market and historic defaults.