Excellent advice - as usual - from QDM and Aussie Andy.
I love to fly, but let's not kid ourselves: it's a luxury, and as such it's certainly not worth going into debt for.
Vikki, I would only add that you should try to resist any peer pressure to finish your license within any set period of time. Everybody is different, and just because your training may take longer than others doesn't mean that you are a worse pilot.
Becoming licensed is a nice personal milestone, and it does give you certain new privileges (i.e. the ability to carry passengers) and attendent responsibilities; but believe me, your entire life is not going to magically change. Do your best to relax and enjoy your current flying, and savour it as much as you can.
MLS-12D
