Mike
I really do feel for you! Now is not a good time in aviation. The one ray of hope is that because of the huge financial cost of getting into aviation I know the influx of pilots coming in at the bottom is fast drying up with dire warnings to the airline industry of a huge potential shortage of pilots in the future.
I have friends who have funded type ratings by selling everything from the home to the girlfriend so if you are determined enough you will find a way.
Depending on what flying you want to do at least get to a point where you are employable ie a CPL and Multi IR and then NETWORK. Get your face known offer to help, offer to fly right seat for free just to get some flying.
Make your goal a frozen ATP and then look at companies like CTC for type ratings to get into the Airlines.
Now is an awful time but hopefully 2-3 years away pilots will be in hot demand.
Pace