best of luck with your conversions.
there are lots of decisions, take your time and dont get pressured to choose a flight school/job etc.
radical idea - just to put it out there as well: (as you are doing a lot of thinking i dont think this will hurt)
you have noticed that you have to spend some more $$ to get to a good job and mention doing a degree.
you are not starting at 0 but its still a way to go.
Consider (at least for 5 seconds) if it might be an idea to just fly for fun with your PPL and consider other careers if you want to get a degree anyway.
Your investment in europe was a sunk cost.
Sunk costs - Wikipedia, the free encyclopedia
i know the aviation bug is pretty strong so i am not trying to discourage you. just taking a step back given your opportunities and situation.