rickair777 has hit the nail on the head with his previous posts.
Take your time with training and pay as you go at a local FBO.
I worked construction jobs to save up the money and I flew on the nights and weekends.
It took me longer but I incurred no debt and got all my ratings through to MEI for about $25 000 in 2003 dollars.
I instructed for a long time(post 9/11) but got a free Mei and ATP through the school.
I flew charters in the Caribbean to build up multi-engine PIC time and now I fly air-ambulance.
It can be done if you are not in a hurry, avoid loans like others have said if at all possible.
Remember that there are other flying jobs out there aside from the airlines.
Most important is have fun along the way.
Good luck