Good luck with whatever you decide. I'm literally just about to 'take the plunge' and book onto the CPL/IR, I'm 24 and have always wanted to go down the commercial route but first I have gone down the uni route and worked for almost 2 years to contribute to the costs as well as taking out a career development loan.
Speaking for myself, I look at it like this- I have always wanted to be a commercial pilot and I will never be happy in a job until I at least try and get to where I want to be. The amount of money involved is unfathomable at times, however, my opinion is that you only live once and in life you tend to regret the things that you don't do!