Yet another person brainwashed by the Oxford mob. Do yourself a favour, open your ears and take some advice.
Pull your head out of the clouds and re-think your budget. You are away with the cuckoos, otherwise you can come around here and sort my budget out. I must be doing something wrong!
I remember being in your position - there was nothing I wanted more than a flying career. Don't be blinded by the lights though. It is a lot of money and a shady outlook at the moment. I not sure I'd do it all over again, not at the present time anyway.
Best of luck.