I keep giving the same advice (p'raps it's crap!):
Enjoy flying as regularly as you can, on the way to the (I think) 1500 you'll need to be viable. By then, you a) won't be in debt, b) might be looking at a very good outlook in the market- or not, of course. How hard and expensive can CPL/ATPL be when you have all the hours you need already in the log book?
Take the borrowing risk only if the market suggests it. You can have a load of fun on the way.