Tommy 604,
Trust me fella 27 is not too old even for going modular. I'm 26 and with only 53 hours under my belt am trying to organise a cdl for the hour building and distance learning. I anticipate this to take around a year, give or take a month here or there, and save for the CPL whilst studying. There is no reason why I cant save that in a year. Then possibly a loan for the ME/IR.
If you generate a plan and can stick to it anything is possible. Just takes focus and commitment. I know of so many people doing it the same way and some alot older than you and I. 27 is not too old by any stretch of the imagination. In fact my old instructor had his first flying LESSON at the ripe old age of 37!!! He now flies for FlyBe and got that position at 41, just some food for thought!! Maybe that doesnt happen that often but it does happen so just feel confident that, for the time being, you have time on your side.
Good luck and I might bump into you on the flight deck one day!
Rob152