I would definately say do not get into debt for your PPL. I was fortunate to be able to have a lesson once a week ish for just under a year to get my PPL. If you use credit cards to fund your licence you may get it quicker, but with all the repayments will you be able to afford to fly once you have it. I can also guarantee that once you have your PPL you will want to embark on the IMC / Night stuff as well. Fund it as you go along, whenever you can. Surely knowing that you have achieved this through your own hard work and funding will make the end result of having your licence more satisfying, no matter how long it takes. Above all just enjoy all your training.