yes and no.....

Know your instructor and the company. You come to me, working at an FBO, I will not hose you. Neither will the other instructors that work there. The same goes for other places that I have worked at and learned at. If your instructor doesn't have the respect for you, your new rating and your finances, then move on. It sounds like you don't have a lot of available time, so my job as an instructor is not just to sit in the right seat and bark, it is to plan and execute a training syllabus efficiently while still ensuring that the student knows what they need to know and then some. Unfortunately, it doesn't sound like you have an instructor that cares about you.