Cap Rap,
Well you do sound like you are in a "position" re Debt.
First thing I'd be keen on regardless of flying is getting rid of those nasty red figures. You will find it very liberating (I can still remember when I called the Students Loans guys up and wish them all the best for the future!!! knowing the buggers would never be able to hock another arbitrary charge).
Seriously mate, have you thought of leaving your job and thinking outside the square a little? I know it must be difficult with a g/friend...You say you hate the job, so find something else. I have a few mates down working in London earning high twenties on building sites. Another friend offered work in Bournemouth, £800 a week. You work like crazy, nice and physical but its only gotta be done once!
I'd really recommend you get those debts cleared, then go from there...
When you get further on into the flying, you will need the help of a bank....a demonstrable record of having smashed through a few financial issues will be music to their ears.
Best of luck....And hope things turn out well for you.
LF