Poose
I'm in a similar position to you, although I managed to find enough of a break in the monsoon to get my CPL test done. I used up all my leave with six months of the leave year to go.
I am now taking unpaid leave, just because I've got a bit burned out with juggling everything and I need to catch up with life.
While I have a little more leeway left with my exams, I'm planning to take more unpaid leave / buy more annual leave next year in order to do the IR.
It's not ideal, but it's better than losing the exams. There's no way I'm going through that pain again!...