I have a PPL, 50 hours and material and classes sorted for the first 9 ATPL exams. My debt so far is zero. I plan on keeping it that way until at least cpl Me/ir. Being a safe kind of guy and a non gambling type I can't understand how people take out enormous loans for training. I'd never sleep personally!
I suggest get a job, even if it's rubbish like mine and just save. Whether it's modular or integrated (i and many others recommend the former).
And there's no rush of course, word is there's a recession :P
Good luck!