My best bit of advice to you would be to start looking into all the possible training routes into the airlines. If you are serious about training then spend the time researching, PPrune is a perfect start. There is a wealth of information to be found with just a few basic searches which will answer ALL the questions you have asked above. The figure you have quoted for financing your training is im afraid, not going to get you very far if you self fund. However there are other ways to achieve your ambition, ways which have been discussed many times on this forum. The info is there so go get it!
Good Luck
WD