Superman 32. This is not a very good place to ask for advice on this subject at the moment. The road you intend to go down will win you no support. In short we established pilots are suffering because of people like you who are undermining our terms, and conditions. Why would an airline employ someone like me (5.500 TT, 2700 turbo-prop, 2000 hours 737)at a cost of about £45k when you can be employed, and pay for the privilege? If you do this now you will be in my position in 2 or 3 years time which is unemployed having been made redundant. So think about the consequences of your actions. There will be long term ramifications for you individually, and the rest of us collectively if schemes such as this are allowed to succeed, and your terms and conditions in the future will be severely eroded by your hasty impatience now. Airlines are not flying clubs: if you want to learn to fly a Cessna 172 fair enough to pay a few grand for a PPL: if you want to learn to fly a 737 behave like a qualified professional. If you want to start you career with that level of debt to your name you are nuts. You might have the cash to pay for it, and be debt free, but think of all the other things that you will need that money for later in your life such as a pension. If you spend it now you it will take approximately 25 years to re-earn and save it. Think of how much less you will have as a pension for example if you do that compared to if you invested that sum of capital now.
I suggest that you contact organisations such as The Guild of Air Pilots and Air Navigators, BALPA and IPA, to see what their advice is. And maybe go , and have a chat with you or Daddy's bank manager to see what he thinks of the risk of your investment. Ask him if he would lend you the money as an unsecured loan with no guarantee of full time employment on completion of your 500 hours.
My personal opinion which I will share with you (and you may not like it - that's a risk I'll live with) is this: if you think this scheme is a good idea then I think you are displaying very poor decision making skills, and very poor judgement based mostly on emotion rather than saying what you see which I think makes you a wholey inappropriate person to be a pilot, and I would not want to share a flight deck with you.