Originally Posted by Toonces

I believe Embry Riddle has a number of satellite campuses. If they are cost effective, finish the degree through ERAU, and finish his ratings via a local FBO or aero club. Also, get a job that will help offset the cost. You can even skip the AMEL rating for now.

Once you have a CFII, teach where you got your rating until you think you have enough students to support yourself full time. Once you have enough hours to get hired at your operator of choice, then make the decision as to whether a flying career is for you. 31 is not old, and flight hours never disappear.