Not sure if I fit the bill, but i'm 34 for a few more months, and decided to pursue the dream 2 years ago after I got my private. flying on the weekends and being behind a desk all day just wasn't for me anymore. I dreamed of flying since I was a toddler, and the PPL only showed me that my aviation journey had just begun.
Bare with me here - I have an important point that's relevant to you...
I was about to go to a 141 school in early 2009 but the recession was just getting started meaning that jobs were slim to none and loans were outrageous (my quote for $35k would have cost $87k when all was said and done with interest, even with a co-signer.) So I went the part 61 route - no debt, but riddled with confidence issues due to infrequent training, an instrument bust and now a CFI FOI written failure. My point - the biggest problem with part 61 is that during my training I'm also working a full time job as a web developer. Very stressful and time consuming considering I'm also trying to achieve the hardest rating (CFI). It hurts your confidence too to move so slowly and not be able to devote all the time you want to your goal.
So take this into account. Part 61 = no debt, stressful, and slow as hell. pt.141 = terribly expensive, but you get to concentrate on the one and only thing you're after.
Final point which I didn't even touch on because it's a no-brainer; don't decide if you're going to do it, decide how you're going to do it.
Best of luck!! - PM me with any specific questions (you're in NE? I'm out of KBED near boston)