Forget trying to keep current unless there is flying work that will result from it. You will regain your skills within a couple of hours of starting training for your IR.
Flying 'to keep current' without a a need for it will waste your money.
Get a job - any job, a series of jobs, multiple jobs, whatever - and save for an IR. If reducing your debt is likely to give you a loan extension then consider that.
Without the IR your ATPL exams will lapse. With the IR you gain 7 years, resetting at each renewal.
You ultimately have to decide if you really want to be flying.
Last edited by Tinstaafl; 13th Feb 2003 at 21:08.