Piltdown man>
Suggestion for you. Might be a bit hard, but here goes.
Think outside the box. Go to where the jobs are. Here in Africa there are tons of jobs for ambitious low time pilots. We have plenty of freshers from Europe who with the right attitude get work and leave with atp command time. Having worked in Asia the same thing is applicable. None I know went to oxford and most paid for themselves and more than a few are in their thirties or beyond.
As previously mentioned I also know plenty of pilots who trained and got instructor work in the states.
Where there is a will, there is a way. Get out more and stop expecting everything to be handed to you.