Never get in debt. Don't use a credit card unless you can fully pay every payment. The airline career is NOT worth piling on debt. Now I am NOT an airline pilot, but this is how I made it debt free and what I recommend. JamesNoBreaks is right, there is no rush so take your time.
First, pay every for every flight upfront and work towards your instrument.
By the time you have your instrument, you should have around 150 hours.
Now find a flight club with a sport airplane (Cub, Champ, CTLS etc.)
At 150 hours and some time in type, you are now eligible to get your sport pilot CFI. Get some students and get really involved in aviation community around you. Get your club to do a special intro flight deal. Submit a deal to Groupon to sell intro flights. Do whatever you can to sign people up and work your way to 250 hours.
Then get your COMM/CFI and go from there.
Good luck