Wilson87, I think Grass Strip Basher has a good point. Do try and save as much money as you can before beginning your training. I can't speak from experience, but it seems like a few students in my ATPL class are struggling a bit with bank loans. Some of them are tied to one specific school, so they can't leave if they're unhappy with their training.
Don't get discouraged with waiting, though. At 22, I'm among the youngest in my ATPL class. Most are at least mid-twenties, and quite a few are in their thirties and fourties! It's never a bad time to start.
Best of luck!