Hey,
Are you occupied during your potential employment? If it’s possible you could study for your ATPL’s during those 6 months so those aren’t wasted.
I followed the modular path, it allows you to pick your own pace. Either fast or slow. I did the latter because, just like you, I had about 30k available upfront and had to earn the rest on the side.
Holding a decent job it took me about 4 years start to finish. However, if you have the money up front you can speed up your modular courses faster than an integrated study. Remember, you don’t pay upfront, so you decide. Most integrated systems will already have you paid 90% of the total sum before your fifth flighthour, leaving you a completely dependant on their scheduling.
27 is still quite young. Even though taking a loan would get you there faster, the financial burden might weigh in heavier on the long term.
In both cases you can end up being 32 without a job as a pilot, but in one of both cases you probably won’t worry about money that much