I'm pretty sure all the integrated finance deals require security (ie, your parents house) so that would rule you out of integrated training.
If you try working and flying while only earning 12k a year it will take you forever.
I would go for the degree, although you will rack up about £15k in debt doing a degree you will realise a much better earning potential and have the degree to fall back on should something happen along the way to being a pilot (loss of medical etc)
Although you state you are desperate to fly and don't want to wait 10 years, without the finance to start now I fear you have little option.
Another option would be the military but you would have fierce competition and would have to show serious dedication, not just use it as a route to the airlines.