FoJohansson, I can see you are from sweden, not far from me in Denmark who are in exactly the same situation.
I've talked to a lot of pilots and pilot students from Scandinavia, and they have given me a lot of good advice, so hire is what i do:
I will take a whole year off where I will work full time, over time, all the time. It will give me approx. 200.000DKK Kroner. When I have the money, it will not be a big problem to borrow 200.0000DKK Kroner more of the bank, so I should have enough to take on the Scandinavian pogram at Phoenix East Aviation, through the Norwegian aviation service.
I hope it could help you a little, good luck // Held og Lykke