I was 20 and used to take two buses and walk the final 2 miles to the airport for a flying lesson on a Saturday, because I had sold my car to get a PPL. Flying after that was when I could save enough for a half hours rental.
I made lots of sacrifices just to fly.
Now I am 40, can afford to fly whenever, but cannot renew my medical.
Life's a bitch.
Make your choices, but stay away from the debt route - it hangs around your neck.