VFE
Have you considered doing something constructive, i.e. self-sponsoring a type. Lets face it, if you don't do that, the chances are you'll be instructing on a 152 or flying TP's on a low salary for the next three years. You may as well just take the extra financial hit now and you'll more than break even within 3 years flying a 737/A320. You'll also be 3 years closer to command. Its not rocket science really. If you say you can't afford it, then that's your problem as you should have realised from the start that having to self-sponsor a type to get ahead would be a real possibility.