My advice would be don't get into flying. Spend your money on a career with real prospects. The system is awash with well qualified and capable hopefuls with large debts. Only when the terms and conditions drastically improve will flying again become a worthwhile career. I've had the best of the back end and will retire in a few years. I'll miss what I had but at the same time feel sorry for my former colleagues who will have to tolerate forever worsening T's & C's.
PM