Not sure if this is in the right heading, but...

I am at a point I need to make a decision. I have decided that, even after the nay-sayers and tales of the 'dark side' of the profession, I am pursuing my dream of being a commercial pilot. Here is my conundrum: I am 28. From a divorce I have some bad debt and am only half-way to my PPL ticket. I work two jobs and have figured if I devoted all my spare income (after bills), I could obtain all my ratings, including CFI in two years, or pay all the debt in two years. If I combined them, both would be done in 4. My question is this: is it better at my age to get my ratings as quickly as possible and work on the debt afterwars (my hunch), do both, or do the debt first and then the flying? I understand having no debt is key to starting in this profession, so it feels like a toss-up to me. Advice welcome. Thanks!!