If you end up delaying your training and you’re serious about flying, there’s no reason why you can’t do some book studying now (don’t underestimate it, it’s a lot of stuff to learn that isn’t necessarily muscle-related or habit forming material that requires paying for an aircraft). Study airspace, regs, etc. Plenty of free information on YouTube and from the FAA website. It’ll save you time and money once you are ready to start flying.
Otherwise, pay as you go for your PPL and network like crazy along the way. Once you have your PPL, hopefully you’ve found someone you can split time with for cheap.