My thoughts for what they are worth..................
The one thing that you don't want in life is regrets, could I have made it? What would flying a 777 feel like? I say if you have the money what have you go to lose? Take the aptitude tests and medical, then see where that leaves you.
I personally don't believe that your age would be a problem, but then again I don't really know. However there are guys on here that do and will be able to tell you more than what I know. I think a A.T.P.L (1500hrs) would stand you in very good stead with an airline.
The industry is gradually picking up and we all live in hope that there will be jobs, otherwise I will be 21 with one huge debt to deal with!