It sounds like $$ may be a bit tight? The fast track is normally a dedicated aviation school, flying 3 or more times a week. How about working on your private pilot training right now? Starting with a low cost ground school.

Yes, a Guard flying slot would trump(no pun intended) both of the listed choices, but there are a handful of conditions to be met. In most instances they would rather a current Guardsman with a PP license anyway, though most anything is possible.

How gung-ho are you? If your parent(s) sign you can join the Guard/reserves at 17. Even though I did, it's not for everyone.

I'd try to avoid borrowing to much $$, as much as able. Start networking locally, meet some pilots and aircraft owners.