Correct, it is 60%. I used it for some of my ratings. Second the military thing, as long as you don't mind commitment, and putting up through BS going to officer school, flight school, and potentially being deployed. The Army is the easiest flight program to get in to, but you'll end up with a rotor rating. Nevertheless, you'll have the commercial certificate, then all you have to do is get an airplane add on, with what time you have now, it wouldn't be a problem. Join the guard, go to a blackhawk unit (The course is shorter, and there are more UH-60 courses to go around). You might get deployed for 12 months, but you'll get a sh!tload of flight time there, and a nice paycheck when you are done. You'll come back as a weekender like me, and then you can get your fixed wing add on, and CFI for not much cash at all.
But, you have to be willing to serve. Please, don't just do it for the flight time and ratings. You'd be dissapointed if you did. You'd be better off borrowing the money from key bank or sallie mae if you don't have a desire to be in the military.