Helo to regionals.
Your time should have a favorable conversion in this market. The demand is there however it hasn't made it's way to the paycheck.
I'm guessing the only way to start at 45K+ is going to be a 135 or corp. gig.
With your background, a couple years at a regional would get you back to a survivable salary. Maybe add Natl Guard or Reserves to the mix if it's not too late.
Good luck.