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You seem to have the right attitude especially for your age. But we all start the journey in debt. Whether by loss (debt) of time when join military or work for that initial experience, or by borrowing money to attend school. Nothing is free... otherwise everyone would do it.
My advice: find the best deal for 147 school whether in NYC or other location; procure financial assistance if needed; excel at your studies; once certified use school contacts to find entry job; work 2 years plus ask a lot questions; and always show up 10 minutes early for everything.
In 4 years tops, if you remain true to your convictions, you'll be standing at the front of the line, light years a head of your peers... and debt free. For added bonus learn avionics also--an A&P with good spark chasing abilities worth their weight in gold.
I did the "work for experience" route at 19 and never looked back after 35+years. Then again that was a time when the FAA handed out test cards with a smile. However, if I had to do it again I would start at 18 and follow the above.
And if after a few years aircraft don't hold your interest anymore you'll be surprised how valuable an A&P certificate/experience is to non-aviation industries.
Take the plunge and enjoy life!
W1