So at age 41 your options are:
1) do 5 years in GA flying a tired Navajo into some sh*thole earning nothing in the hope you don't kill yourself, instead get a break and end up RHS in an ATR or the like if you're lucky
2) take a CTC course or similar for around $230 K in oz dollars to come out the other side with a reasonably good chance of RHS in a 737 somewhere in Europe followed by another 5 years on cadet conditions paying the loan off
3) join CX, paid every month, half decent aeroplane without much **** falling off it, no debt, F/O job after 4 yrs and a lump sum that's given for free if you stay a while....
For the above posters like curtain rod with their thin grasp of the reality of aviation these days I agree option 3 would seem like the worst choice you have....