Good day,
well here is one possibility that is outside of box:
move to finland and finf a job. You will easily get 4000€/month minimum if you find a job with your expertise and education. Work 2 years, learn finnish to fluent while you at it. Fluent is not perfect but enough that you understand and can talk. Its possible and ive seen it done even in less than year.
While you work and study finnish try to save 10k per year.
Plan A: apply to finnish aviation academy. Mandatory requirement is that you can speak Finnish. If you get in you have to pay only 17,500€ for entire education. Rest is covered by finnish government. In addition you can most likely be hired by Finnair after your school as it is also ”finnairs flight school”.
Plan B: If you dont learn finnish or you cant get past selection to finnish aviation academy then apply to some european school that does vfr flying in usa. Expect to pay around 80k€ for Frozen ATPL.
worst case scenaril you got better paid job in safe country, you learned new language and you saved some money.