At your age and in this environment you would have to be absolutely mad to spend the money to go all the way to frozen ATPL and get yourself heavily in debt to do so. If you have a family it would be reckless and selfish beyond belief.
Save up the cash and do a PPL, enjoy flying that way and then reassess in 2-3 years time. There are many ways to get a flying fix without getting thousands into debt to do it.
