Welcome to the fold my friend! You are not alone here. Im a 39 y/o trying to do the career change thing. Im 1 week away from my IR check ride! Then on to the commercial! I'm doing it the local fbo way! I think if i could afford to go to ATP i would, but the idea of 60k and a huge monthly bill for the next 15 years while im making 20k after getting a regional job...just couldn't do it! When I get done training I will be bill free! It will just take me a little more time to get there!
GOOD LUCK and keep us posted on your progress!