OP,
I don't know how much debt you are in, and I don't want to advertise more debt because it sucks, plus I paid cash myself for the initial ratings through cfi. SonicFlyer has a point- there is such thing as an opportunity cost of obtaining your qualifications slowly, especially in the current hiring environment. Since you want to be an airline pilot, taking several years now just to enter the field cuts off several high earning years on the far end of your career. What I would do if I was in your shoes is I would hold off on the college degree for a couple of years and work hard full time and pay cash for your ratings as fast as possible. Then, when you're a CFI and later an FO you can knock out your degree online while you're sitting around in hotel rooms- it's a very effective way to occupy your layovers, ask me how I know that