In the absence of better advice, if you want to fly, better to do it than wonder if you could have done. If you are committed and stick at it somebody will pick you up for a position flying something, might take a while though. I am 34 now, got my fatpl at the end of the 90's. 9/11 sc***ed me. Stuck at though 'cos it is what I want to do. I am now working flying a twin, single pilot, and actually hand flying (auto pilot is a bit old and tired) It hasn't been easy to get here and I have found it a very depressing journey at times. That said life was far worse when I was stuck in an office and at least at this early stage of my career I am actually flying the aircraft and learning my trade. I can only hope that I get the opportunity to make what I enjoy so much, pay back the money I now owe.
Best of luck, and if you decide to go for it, stick at it.