My advice FWIW is get your PPL. Then reasses whether you really do enjoy flying and have the aptitude for a CPL/IR and also where the market is.
There are any number of threads on Integrated v Modular so I won't go there.
To give you my experience, I've had a PPL for 9 years and have just completed my ATPL theory which I did whilst staying in my current career over 16 months.
I can now consider if/when/where I may do my CPL/IR at a cost of around £25K.
I have no debts from any training to date and I don't intend to get in to any. If ultimately I carry on my flying as a hobby and do so as a CPL/IR holder then I'm happy with that, life goal met and I'd probably do an Instructor course in time with a view to semi-retirement.