I Have to agree with the other guys, get out flying until things pick up and pay your debts off in the meantime.
I myself got a frozen ATPL 3 yrs ago, unable to secure work I then completed the FI rating 11 months ago, and still unable to secure any form of work full or part time, I now instruct only a few hours a week for the benefit of mates.
Meanwhile I've kept working as a Loadmaster throughout and paid all my debts off, bought a new car, renewed my IR and booked a holiday..and no I don't want to pay 17k for a 737 type raing, enough is enough.