they all require the candidate to have more qualifications than what i have
Not if you go the modualr route and not if you have the money in most instances.
but i do not want to fly fighter jets i want to fly large aircraft like cargo planes
With the greatest of respect that sounds to me like you think flying airliners for a living is not working for a living. You can fly Hercs, Galaxys, L1011s etc in the RAF. I do however appreciate that the military is not for everyone. But you didn't say something like 'military life isn't for me', you said that you didn't want to fly fighters. Why on Earth not? And you'd get the best training there is for free. So if I was you I'd ask yourself why you wouldn't want to fly fighters in the military and why civilian flying appeals so much more. If you love flying for the flying then explore all avenues.
Another question i have is how to many cadets aford the the course?
The banks will loan the money with security on a home for example. Not a good route if you ask me. Certainly not at the moment.