MM
This truly sounds like a lot of money... Of course it depends on the Type in question and where in the world you are?!
In the UK a 737 rating or something similar would be approx £17k Assuming the airline you are talking to will pick up the tab for base training which is not unreasonable.
The general concensus is unless you have a guaranteed job offer in writing dont part with the cash. Offers of holding pools etc are not good enough especially if you are going to borrow the money!! A better bet - go to florida or somewhere warm for 6 months build up some more hours and a tan. Its amazing how far that would bump you up the pecking order. There are plenty of people around with basic licence and minimum hours.
Or maybe go to Oxford and do Jet Orientation Training in their full motion 737 sim. all at afraction of the cost.
What ever you decide goodluck