Why are you not willing to go into debt?
Just jump in dont fanny about working somewhere and then say "i will do my ATPL when i have the money and evreything looks good" you will just be saying that forever, if you know you want to fly just get into debt, after about 6 months of being in ridiculous debt and having absoloutley no idea how you are going to pay it back life becomes a lot more fun!!!
I dont know how old you are but dont waste years, jump in the water aint that cold.