Clanger, it is still possible. Spent years saving, got licences by going modular. Went to work as a rampy while applying for work. Got nowhere with applications (as i never offered to pay a type). Saved more, became an FI wasn't afraid to take the first job offered. Worked as FI on crap wage, took opportunities to fly pleasure flights and aerial work whenever it came up. Kept my nose clean and worked hard. A regional job came up with no question of paying out of my own pocket. Still where I am and slowly climbing the ladder.
This was all within the last five years, so it is still current. Have friends who have gone about it exactly the same way. None of us have paid ratings. It just takes a little tenacity.