U have a business degree, U can easily get a job for 60-80k start, I'd get that business major degree job for now; If U don't get that job where U live, move to a place where U can get a job, keep expenses low by sharing w/roomates.

There on, U have 2 options:

1) U can work your primary job, earn decent money & fly at the local FBO/school on the weekends or even qualify for a loan with those nice looking paystubs from the job...

2) Option 2: Save for a down pmt on a IFR cert 152 or 172 or any 4 place airplane or buy Cash or seller carry financing........... U are a business major, think outside the box & make things happen......

Take your office & other buddies to the 100 dollar burger trips & make sure they are 50 miles away.......... Bulid those x-country hours for cheap & make money on your primary job.....

Get a freelance CFI to give U Instrument & then for commercial, just rent the complex from a school for the 10-20 hrs

Repeat the steps for CFI & CFII & 12 months later U will be a full commercial pilot CFI & CFII

If U buy your own plane, then repeat the steps by becoming the freelance CFI yourself & with your plane & rent it cheap, so U work the job on weekedays & fly on the weekends....