I'm also in your situation and have been working on my private for over 8 years now (haven't gotten it half because of money, half because of my lack of motivation and interest in other things throughout my teenage years). I'm 21, junior in college, and flying whenever I can.
I'd suggest saving your money, graduating and doing at all at once. It's good you are in college and not chasing a professional pilot degree. 9/10 pilots will tell you to go for a degree outside of aviation simply because of the risk of loosing your medical and not being able to go into a different field.
Just remember, when you graduate you have a way to pay for your flying. Flying isn't going anywhere, so don't waste your money flying every once and a while, just save it and wait till you are ready to go after school.