If you go the civi route plan on at least a minimum of two years full time civilian flying to become competive. In a part 61 school commonly called mom & pops the minimum hours for a commercial cert. is 250, then you can start looking for a job instructing or whatever you can scrounge up. The regionals have slowed way down on the hiring of new F/O's so it has naturally become more selective. Pray the Navy gives you another go.