You have 36 months from the date of your last ATPL exam i believe, so 3 years to complete CPL/IR. You seriously dont need to get into debt if your smart about your choices! you have plenty of time on your hands!
Getting into debt in the current situation with no guaranteed job at the end is a bad move in my book! get a job and save! worse case scenario if you dont make it for one reason or another at least you wont be paying the debts off for the rest of your life!
Take it easy
