Sgm,
What do you want us to tell you? To go for it and follow your dream?
You have to be realistic. You said yourself you cant make the payments if you don't get a job pretty much straight away. You also haven't factored in paying for your own type rating or living expenses whilst away if you go to a school outside of Malta.
There is no easy way into it. Unless you can afford to lose 100k Euro in a failed attempt to become a pilot you shouldn't even try.
There are HUNDREDS of modular and integrated CPL graduates scattered all over Europe trying to get one of the very few jobs on offer to low timers.
Now isn't the time to take the leap.