Biggles Wannabe,
It sounds like you have already gotten a lot of good advice and you're feeling re-energized and motivated again which is great!
One thing that struck me is that finance is, unsurprisingly, a big issue in where you go from here. Assuming you started your course in 2006 (graduated in 2008) and with four years until you're debt free, you had a 10 year term loan and have been repaying 1k a month every month for quite a while now so you've obviously made quite a dent in the initial amount borrowed.
I noticed you said that the loan is secured on your parents property. This may not be an option for you but would you consider approaching the lender to extend the term of the loan? Even in the current climate, the bank might be amenable to renegotiating because there will still be sufficient security. Ultimately, it will cost you more to repay but that would free up some cash for you now and perhaps afford you more scope to take some time off work and pay for a FI course, revalidations, staying current or pursue other options that might help you towards a commercial flying job?
Just a thought.