Just finished uni last summer. Working a job with a far from brilliant salary but hopefully will finish the PPL sometime this summer - at the very least before the end of the year! A bit of loan money may help me along but mostly trying to pay as I go.
Their are many routes to the commerical flying licence - set aside a few evenings (no, really!) and explore PPRuNe - especially the training/sponsorship forums. Find out about integrated and modular training, the differences/advantages/disadvantages/etc.
Good luck,
V1R