I started out at 23, which even now only seems like yesterday. I didn't borrow any money to do my CPL-H training. I worked 2 jobs to pay for one flying lesson per week. The licence came, the first flying job came, many other jobs came over the subsequent years, and now I'm semi-retired. 7000 hours helicopter, 2000+ hours on B212/412. Careful what you wish for!
If I had my time again I'd do something different.