That really is a huge question. I guess only you in the end can decide on the answer.
I am kind of in a similar boat - been at it for 3 years, got my CPL/IR and hoping to have my FIC in coming months - but finding funding this last part a little tricky! I'm trying to fly as and when I've got the cash, but one of my cleared credit cards is just begging to have some debt put on it ;-) I'm trying to resist.
My advice, is if you do continue, to just take it slowly. Other threads in here suggest any of us would be very lucky to secure work, so by the time you finish up, you might just time it right. The next year or so could be tough, so I would not get in to massive debts for training.
Slowly, but surely sounds like a good plan, and a good pilot always keeps his/her options open, so don't over commit :-)
All the best whatever you decide to do
