What are you doing now, once a month? Flying. What will you do when you have your PPL? Fly. OK, you'd like to have that licence in your hand. You'd like to decide yourself about where to go and what to do, not have an instructor decide it for you. But in reality, it's not very different.
Reading between the lines (or guessing!) is it that you're getting caught up in the "How many hours did you take to get your PPL?" roundabout. Don't! It really doesn't matter. It took me 90 hours to get my PPL(A). It doesn't make me a worse pilot, or a better one for that matter. There were reasons for it taking me so long, as there will be in your case if it takes you a long time. Flying is not a competition or a race.
Being ambitious is OK, but not if it makes you depressed. Just enjoy your flying, and remind yourself that not many 18 year olds get airborne at all! Of course, you could try and get a part time job - or another one if you already have one - and fly a bit more. But getting into debt? Not worth it, as many have told you. I know many who've gone that route and regretted it.