lightning boy,
You are in a very precarious situation. For me you have to look after number 1, and that means you and your family. You seem to be young yet. Save any spare money until you have enough to get at least an instructors rating. Until then forget about helicopters and concentrate on your current career. A career in helicopter flying is hard earned and at the moment is very hard to come by. Concentrate on your own career and see flying as a side line. One day flying will become a viable alternative, but until then take no risks and move the flying on a step at a time.