Firstly, A lot of people on this forum when talking about what they can achieve on their salary totally forget to take into account small things, like the taxman wanting his chunk, the need to pay for food and lodging etc. You may be able to negate some of this by living at home, but if I had kids, whilst I'd be happy(ish!) to have them live at home, if they're working, they're paying rent!
So, that aside, if you're really adamant that you can't/won't go to your folks for help [for which, I for one applaud you heartily] then it would look like your only sensible option will be to save. Look at it as a litmus test of how much you really want to do this. It is possible to save the full integrated cost in a year once you have a couple of years industrial experience behind you, if that's the route you wish to go. In the interim, you can get a PPL or trial lessons to make sure you're not A) a total doofus in a 'plane and B) you actually enjoy it.
I would council, strongly, that you don't have to do it "now or never". There will be plenty of aeroplanes around for a long while yet needing pilots. Work hard in your current job (shows commitment and is a great fall back plan), save hard and in a couple of years you should be able to fund a good chunk of it debt free, plus all the other benefits.
good luck