To be honest, now is indeed not really the time to become a pilot. There are frankly no jobs, anywhere in Europe (save for the few low cost carriers where you'll have to pay your own typeratings = add €30000,- to your already growing debt).
If you really, really want to go for this job, please take a look at the opportunities in the Middle East and Asia. Etihad offered cadetship programs in the past, Cathay Pacific offers them now (extremely difficult, though) and Qatar Airways is growing like crazy. There are opportunities, however you can't expect to be employed by, for example, British Airways or Virgin Atlantic anymore. You will seriously have to commit yourself. Being a pilot is not as simple as having a job.. It's a lifestyle.
As for loans, if you follow a full-time ATPL course at OAA, I'm sure there's a bank who will provide you the loan. You could always call OAA about this (believe me, everyone has the same problem as you).