Nish,
You need that IR before your exam credits run out! Funding that has to be your top priority at the moment, and if the bank manager has been squeezed to the limits, you might have to go back to IT, short term at least.
You didn't say exactly what it was you did in the computing world. This will determine how easy it's going to be. You'll have trouble getting permanent work if potential employers realise you just want to get your IR and then leave them. But there's not very much contract work around at the moment. Either way, you may have to send yourself on a couple of courses to bring yourself up to date with the technology. It's not going to be easy - but it is slightly less hard to find an IT job than a flying job at the moment.
Make sure you stick with the flying, though. Rent a spam-can every few weeks to stay current, whilst putting the bulk of the money in the bank. Once there's enough in the bank for the IR, take some time off and get the rating. Once you have your frozen ATPL, you can start looking for serious flying jobs... but you'll still have your other job to pay the bills, which will be essential because although you'll get an offer eventually, it won't come quickly.
That's what I'd do in your situation. It's not the only way of tackling the problem, but I think it's the one which will cause you the least stress, and also get your career moving as quickly as possible.
Good luck!
FFF
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