I am in my 30's and a few friends of mine are late 30's. None of us have proper flying job yets that earn an income to live on.
We were all modular too. We all tried applying to Ryanair but none of us ever heard anything via the SAE / CAE. I was told by the Oxford Self Sponsored chap that we did not meet the Ryanair profile. e.g. age
However I do know of people that have joined other airlines recently in their 30 / 40's but at the moment, the market has loads of low houred pilots etc.
I would suggest you keep your full time day job if possible, finish the CPL / IR. Go back to work, pay off any training debts whilst looking and stay current with the SEP and ME/IR ratings. Get yourself in a good position and network a bit.
Good luck with the training