Having exhausted all of my options financially now,
I would venture to suggest that outside of cadetships, then the pilot career is only for those who either have the money or else can get it elsewhere (rich parents).
The reason is that once you have your (f)ATPL then you are part of a large pool of inexperienced pilots all of whom are looking for virtually non existant jobs.
The airlines want you to have a TR so you will have to spend more for this and even that is no guarantee. Paying for LR is about the only way to almost guarantee that FO job. This seems something way out of your reach and even if you did manage to get a loan to cover all of this then your debt burden and pressures on your starting salary would be punitive.
If you think that you are too old for a cadetship then your personal situation looks much more suited for the modular route: work and undertake flight training part time. Even though there are no guarantees here, at least you are not subjecting yourself to an enormous debt.