Matty Airlines
Becoming a pilot was always expensive and always carried a risk of being unemployed for many years after you finished training. It was always like this and continues to be.
Your almost 24, I have only one thing to say, better late than never! If it is a pilot position you are after because it is you dream then I strongly believe that you should start immediately with your PPL, and a Class 1 medical just in case.
What will happen after you finish your training and have the frozen ATPL, I don't know but even if you go integrated or modular or even in a cadet scheme, there is always the risk of staying unemployed for many years, therefore everyone is on the same boat.
Once again if you want to become a pilot, start pursuing your dream now, do wise choices, (go modular), and keep current. Last thing, prepare to go anywhere if you want to get hired quickly.