I would echo nastyevils sentiments and advise to have other options open. I have trained in Aus and after talking to friends who already had CPL from other countries, I realized I should have done some more research before choosing Aus. Aus was cheaper in the past now prices have sky rocketed and I would be careful what school to choose from too, as Aussie immigration cancelled accredition of couple of schools in the past for unfair treatment towards students.
NZ is a very good option if studied in lenght. Similar training, great people I have known.
I too was not rich like you and ended up borrowing a lot lot more than the quoted price to get just my CPL. Training standard is great but when it comes to forking out the cash, I have other options in my mind now.
Cheers