The other guys have hit the nail on the head.
You need to think about surviving on nothing during your first job or two (unless you're lucky).
Having a little debt as possible is a huge help in the beginning. Also, having the skills to get a non-flying job to subsidise your income (which i assume you do) is very helpful.
Personally, I worked full time while doing my flying training to pay it off. Had to get a small loan for extra ratings after CPL but made sure that was all cleared before starting to look for work.
You dont want to get you CPL then start looking for work and find after a year that you've done bugger all flying and still have a massive debt.