Hi Gliderman,
Read your other question too, im 36 and started for my ATPL writtens 2 years ago, got my CPL and now about to start my IR.
The only advice i can give you is to speak to someone who wants nothing from you, i.e. go speak to a PPL career school who does not practice commercial training and speak to one of the instructors and better still someone who has recently become an instructor, they are probably in the best position to tell you about there mistakes, the pitfalls and most importantly the hidden costs that they forget to mention when you sign up.
Dont get mewrong, generally most schools are not out to take extra money off you, but there is always something else that crops up, increase in CAA fees, 170a's, cost of ground exams, re takes etc etc etc
Also do not take everyones word that this school is better than that school, as you will find out , people like different schools for diferent reasons, we are all different, some like the more military style some dont, but visiting them is a must!!
If you want any other information send me a private message see if i can help
Good luck