The good news is those of us who've wanted to fly since we were kids usually have a way of making it work. The bad news is, you're going to have to sacrifice to make it work. That may include no more late nights at the bar, selling the car for a mo-ped, working in a seafood processing plant in Scandanavia, or something else not fun. Does your job pay you enough to be able to afford flight lessons? Have you considered an out of state location to save you money? I came from very very humble beginings and made it by myself with no debt. It was very very difficult and took a very long time, but as I said, those of us who want it bad enough will find a way. PM me for info/advice.

Disclaimer: I'm not an expert at anything.