I was in a similar situation. I recently got married and am currently in my 4th year of medical school. I just figured things were going to get worse with residency around the corner and kids not far off in the future. I just went for it. I used some of my loan money and figured if I didn't do it now, I would probably keep finding excuses until I retired. I think its really important to stay on top of things and keep studying. The more you study, the less time you have to spend up in the air in excess of the 40hrs to get your PPL.

Luckily I have a very understanding wife =)