No loans if at all possible. The road to become a major airline pilot is a long and hard one, and realistically many people won't make it anymore, because there are less of them then the rest of the commercial pilot jobs out there, so according to the numbers it's not possible that everyone will make it there. So that said, it's going to make little difference to put it off for a few years, the couple years that you miss out on "making money" at 30K/yr at a regional airline will be more than offset by not having to make loan and interest payments. Realize that for say a 70K loan, you REALLY end up paying over 100K, because of the interest. That extra 40K or whatever of interest is just free money you are giving up to someone. Think of having tens of thousands MORE money because you didn't get a loan and didn't have to pay anything back or make payments.
Loans aren't inherently bad, but realize that you are trying to fund something today based on projected future earnings. That is a dangerous place to go if you don't have a current job that can pay those bills. It's easy when you got a job and are buying a car, but if you don't have that job, would you go out and buy a car? They wouldn't even sell one to you, because you'd fail the criteria for loan qualification. So, it's an area to be very cautious.