You have not even got a CPL. To be a test pilot you almost always have to have a military background and have been through the test pilot school after many years flying.
Education is not relevant in your situation, you have no experience as a pilot.
You may find a test pilot school willing to take your money once you have a CPL but this will be the same as paying for an A380 rating with no other experience, you can get it but wont find a job.
You obviously do not understand so maybe think of it like trying to get a job as a consultant brain surgeon when all you have done is a 1st aid course.
Sorry to sound harsh but I don't want you to waste your money. If you currently have 0 - very few hours you will not be able to be a test pilot. If you are lucky and your career takes off, 15 years from now you may be able to give it a try.