Well mate, I did my ppl when I was 24 in the uk and loved it, that's not to say go spend the banks money. You do need to think very hard and do the sums, can you pay this loan with comfort in your current job as a flying job is extremely unlikely and would no doubt pay allot less than you are on.
Only you know what you really want, I have followed my heart through my career and so far and for me its worked, with loads and loads and loads of effort to back it up and lots and lots of people telling me I'm doing the wrong thing.
I would say do your ppl and enjoy it, build a few hours and see what you think before you commit to anything.