Everything gone after iOS 8.1 update!

I installed the update to iOS 8.1 yesterday - iTunes says there is a back up yesterday morning prior to my update.
After the update finally finished. It was stuck in a boot loop toggling between black screen and black screen with apple.
After plugging it in over and over to iTunes for fear my battery would die while it was in the loop, it finally entered a restore mode.  It restored as if it was a new iPad.  Tried to back up from iCloud, nothing available.  Tried to restore from iTunes on computer, nothing.  Everything is GONE with the exception of one webpage shortcut icon and my photos. in iTunes it shows the two apps I was wanting to download just before the update. They are in iTunes and ready to install.
I attempted to restore from backup this morning again and still NOTHING>
This is my personal/busniess iPad and I have many Expensive apps I use daily in my therapy job!
Is there any hope?
Is there something I can try?
Is the $19.99 they are asking for a service chat worth it??? I do NOT want to pay them more money because of something I feel THEY screwed up.  My iPad worked with NO kinks prior to the update yesterday.
TIA,
Desperate......

An iTunes backup doesn't contain any of your iTunes downloads (apps, music etc), it contains things such as your app's settings, documents, files etc - instead the restore looks to pick them from your iTunes library.
As long as the apps are still in your country's store, and you haven't changed countries since buying them, then you should be able redownload them via the Purchased link under Quick Links on the right-hand side of the iTunes store homepage on your computer's iTunes, and the Purchased tab in the App Store app on your iPad. If you don't have the apps in your computer's iTunes library then try redownloading them on there and then retry restoring to the backup and see if  it puts them and their content back on your iPad

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