Also be aware that having those hours for a pay to fly scheme may look badly on your cv when you apply for a credible job. Your 500hrs for 55k is nothing compared to a RYR/Norwegian 737 FO looking to join another airline with credible hours.
Your best bet is to join the pain game like everyone of us and keep trying for a job, eventually you will land on your feet. Use some of that money for an instructors rating in the meantime.