45k is nothing, if there is a market for contracting/consultancy in sales then i recommend you get into that. Contracting allows you the time, flexibility and most of all money, to have a serious crack at the modular route, and if all goes tits up you still have your current industry skills to fall back on.
The problem with this though is similar to what PM said early in the thread.
Who on earth would want to spend 100k to be a F/O (flap operator) just to earn a **** salary. Lets say you earn 30k upon getting a flying job. It's going to take you about 4 years to pay off that 100k you spent! That's 6 years of not earning anything.
Alternatively, you could get your PPL, maybe an IMC, buy a share or even your own Cessna and have a really great time flying.