Some advice...
I'm in Australia and work at a University based flight school delivering Aviation theory, so I couldn't advise on how long it would take under the EASA system.
What I would advise though, is do NOT get yourself into debt. You don't want to be crippled with loan repayments with extremely slim job prospects at any age, let alone being well into your thirties.
I think you may need to broaden your thinking when it comes to career choices. Even when jobs do start appearing again, it's going to be an employers market for a looong time. That's bad news for T's & C's for Pilots.