with a total of 98.8 hours total time.
Not to be the fly in your soup but what is the reason for a 100 hr PPL?
Allow me to be brutal for a moment here but was that due to:
- bad school
- bad instructor(s)
- bad weather
- bad airplanes
- or a bad student?
In the end it is all a matter of money and how much you are willing to spend.
99% will eventually get the license they are after but that doesn't mean that everybody is suitable for this occupation.
I'm not too cheap to give you a recommendation; go to another school and get your FAA IR. Another school so that you get one of the variables out of the equation. If the IR now takes 100 hrs maybe you should continue to fly recreationally.
*** Alternatively I may have jumped the gun and you had a bunch of hours from years ago ***