This thread has some useful advice for collectible rotations.
http://forum.square-enix.com/ffxiv/t...ring-rotations

Appraisal for collectibles is based off perception. If you can't do a collectible with that rotation then your gear is just too low. Buy some lv 60 crafted gear, the serpentskin set (http://ffxiv.gamerescape.com/wiki/Se..._Gathering_Set) runs about 100k-200k per piece.

Also, you'll need 600GP to do the collectible rotations. Use the accessories from the trailblazer set (http://ffxiv.gamerescape.com/wiki/Trailblazer%27s_Set), you may need to meld on a couple gp materia to break 600GP.

Do the quest for aetherial reduction and gather the lv 58/60 items, as collectibles, from the ephemeral nodes. Reduce them to get landborne/leafborne aethersands. Those sell between 50k-200k depending on your server. I can get 2-4 every hour, more if I'm lucky. In a week you'll have everything paid off.
Also, if you don't craft, you can sell the crystals/clusters you get from the reductions.

I think that will be the easiest way for you to make gil quickly. Maintaining some earnings with aetherial reduction doesn't take much work either. Good luck.