I can only really echo a lot of the excellent advice that has already been given from an Aerospace Engineering perspective.
My starting salary worked out about £1400 after tax, NI and Student Loan.
I would say, credit card the PPL. Hour build for two to three years while you do the ATPLs, using your wages - I did about two hours a month. I used a Career Development Loan for Ground School.
Kill off all debts ASAP. You'll need a spot on Credit Rating to lend 20-25k unsececured for your CPL/IR.
Pit falls. This takes years and you'll end up with no girlfriend, a crap car, few nights out, no holidays and it will take years. But if you want it bad enough it can be done...
