You say you are trying for the RAF. Why not knock on the Royal Navy's door and try the Army as well - They have started to take officer pilots direct in to the Army Air Corps.
Failing that, get a proper job first that earns decent money. Know too many people with all the right licences with no job and no money.
But don't give up - with the right amount of determination and careful planning you could get what you want - just don't get married unless he/she is loaded!