20K for an instructor rating?? Holy sh*t! Shop around mate! I think the prospects are good for pilots at the moment, a c cat isn't necessary IMHO though instructors are in demand at the moment. I know some outfits are having trouble attracting and retaining instructors at the moment.
Just keep your nose clean, and be persistent and you should be fine. Know of lots of people who gave up because it was "too hard" boo hoo
