Don't do it!! You will regret it & it will end up costing a lot more than 40k in the bigger picture, don't forget in 2 years that's 4 OPC checks costing a couple of grand per time! + cost of living etc
Honestly I have 4,500 hours and over 500 PIC B737 my jet time is well over 2,000 hrs, I don't have any history or red flags on my C.V e.g P2F company etc
I am sending C.V everywhere, knocking on doors etc as I write this I am in Indo trying to secure anything! And I still can't even get interviews!! Just an interview hard right now! No joke son!!