Have to agree 100% with KAG, age is not an issue, you are young enough to embark on Pro Pilot training, what you should look into is what opportunities are available to you on the other side of completing and passing your IR test. What jobs are available for low-houred pilots and how the market is developing for your future earning potential.
Carrying lots of debt (?) and no job, starting out down the pilot road could end up been a miserable existence. You are old enough to not join the 'Wannabe Zombie Army' so go in with very wide open eyes...