How old are you? My advice is, save your money or even better don't borrow any money. Choose a different profession for the time being. I'm currently flying A320s in Asia, I'm telling you, there are literally thousands of very experienced pilots looking for work right now and I personally know of a few who are currently jobless. Don't listen to what L3 or Oxford are telling you, they are in the business of taking your money - nothing more.