I don't think this guy could handle the costs of a 141, they often tend to be much higher than 61 especially when you factor in groundschool and things of this nature. How would a guy making minimum and giving most of it to his mom be able to pay that back, it's not like if he did get a cfi job or an entry level job in the industry he'd be making much more. If you feel like nothing else on this universe would satisfy your soul except to fly for a living, it sounds like you might want to look into the military. As for your mom, I don't know about the situation. Do everything you can for her but in the end the most important person to look out for is yourself.