Why spend all that money when at 500 hours you could be in the right seat of a 121 carrier without spending it. CHQ is asking pilots to take time off without pay because they have too many in the 145's right now. they have cancelled classes.
Why not go get your CFI and instruct somewhere. Tow banners, do scenic flights....anything...don't just throw money at RAA and hope to get a job that later you will have figured out you could have gotten anyway!
Just my opinion!