Take the money and buy lotto tickets. Your odds will probably be better than any prognostication upon the current climate and the payout will be a hell of a lot better.
Being a low time guy right now unless you have military wings on your resume is not a good place to sit. Build experience and watch and wait.
Just remember you would be hired to fly a jet full of people. Not a sim. Things happen really fast outside of a box. Are you capable of mentally handling that? It's not Oz and you will miss Toto.
Experience goes a long ways. One way or another you will have to pay your buck 'o' 5. The industry has changed.
"Ladies and gentlemen, the short bus has left the terminal."