Unfortunately for a lot of people who let the aviation bug bite them (myself included), they get antsy and impatient and want that license NOW.

Best thing to do, IMO after trudging through multiple loan and credit card payments, is to get into a decent paying career and pay for school on your own. Yeah, it'll take time and you may not like doing what you do, but there is security with that method.

There is a choice: Get loans, finish school and sit around for years hoping someone will call you back for a 1,200 a month job, or already have a career, no loan repayment, savings, etc.. and can comfortably transfer into a lower paying job for a while once you get your ratings.