If you have any doubt, the time to get out is early. It's not so much that you'll be 100k in debt (who said it costs 40k for certs...seriously? This ain't 1960 anymore). The problem is you are paying interest on it. Figure 15k for just your private with any kind of quality instruction and (safe) aircraft. Getting up through CFII makes the most sense in terms of versatility and ability to get jobs, but it also puts you real deep in the hole. If you really like aviation and flying, take a few hours to think of all the aviation things you can do and fly as a private pilot on the side. Some of these even include flying: part time instructor, engineer (various disciplines), safety tech/analyst/mgr, wildlife/forest pilot, operations worker, airspace and procedures planner-analyst, aircraft production planner, aviation insurance adjuster-agent, etc. Youd be surprised how much some of these and more are in aviation every single day. Some do not require the whole gauntlet of ratings and certs, just an open mind as to the aviation opportunities out there, and nearly all are better career choices. You are taking a huge gamble that is not paying off like it used to by becoming an airline pilot. If your airline folds or the pension is scrapped, you can instantly lose everything, and have to start over from zero seniority as first officer. That can happen at a regional or major airline pilot. I've kept up with all my airline buddies from 8yrs ago, out of dozens, only two are flying "big" airplanes now, and they both took non traditional routes to get there, they also aren't flying for majors, but big charters that operate 757-sizes airplanes. The rest are battling it out as regional first officers in mostly turboprops, one just made RJ captain, but that guy has more like 10yrs in compared to most of my friends with about 6-8. Remember that there is NO shortage of pilots, there might eventually be a shortage of pilots willing to work for 30k/yr indefinitely. Most importantly, do research on the Internet. Just a few years back you couldn't get ANY of this info. NO ONE would tell you it. Now you can find a lot on your own. Come up with a realistic plan. Much better to spread training over 5yrs and not be in debt than do it in 2yrs and spend 10-15 yrs paying it back and paying an additional 40% of the amount in interest. You can pocket that and use it as a down payment for a home or to get even more hrs later and be more competitive. Good luck, just think it through.
(sorry about no paragraphs...phone)