There is also option 4.
Don't go to university and waste your time/money on getting a degree that you don't actually need anyway to become an airline pilot and just go straight into training then you will get a flying job sooner and be earning money to pay off the reduced debt of training without the student debt on top. You will also be on the seniority list earlier too.
There are an awful lot of airline pilots out there who didn't go, and they are donig just fine without a degree, although it is something to fall back on incase things don't go to plan.
Just playing devils advocate here, not saying you
shouldn't go to uni, but it's another option that is open to you.