You are already in the National Guard. Have you considered the military route to flying as either rotary wing in the ARNG or cross to blue and go ANG, if you meet the military flight physical requirements?

You could use the GI Bill to pay for your degree, and finish college with no debt. Be a good soldier, keep your nose clean, and you could easily find yourself with a flight slot. I would only pay for Private/Instrument out of pocket to make yourself competitive against the other candidates.

And seek opportunities for leadership positions to get over your shyness.