Yes, it's surely not a good time for pilot employment but I prefer waiting 6 months (or even more) working as a dispatcher to pay back my loan and being ready for any opportunity than waiting again and again before starting a training...
CTC is from the best, I don't wory too much!
And for the phase 4, I have never had any maths questions, some did, I think it's a bit strange.
Focus on your attitude, no big moves only small corrections. Practise on your flight sim, pull when turning more than 15 degres and even harder when steep turning....
Try to be as accurate as possible, talk to your instructor after each turn saying what you did good and bad, and most of all (I know it's hard!!!), show him you're enjoying the ride.....
Good luck