"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."

The above is very good advice. Look, you obviously love aviation but you also seem to be very rational. My recommendation to you would be to get a degree which is non-aviation related (engineering,economics,...), start your post-college life with a decent job which can finance your flight training on the side. You don't have kids yet so evenings and weekends won't be a problem with training. This way you can avoid getting into a lot of debt and having to pay it off with a $20K/year job (good luck with that).

Also, as you progress through the ratings, in a slower and more thoughtful manner, you'll get a better feel for aviation and career paths (in aviation or other fields) in general. Maybe you'll discover that some type of flying job is definitely for you or you'll come to the realization that it's great for a weekend "escape".

It's your choice obviously, so don't rush into anything. Take out some insurance, if you will, which will afford you some choices in life.