Hey Texasflyer !!
Sounds as if your off to a good start being debt free... no doubt this will certainly help in the long run. If you do a quick keyword search for loans.. flight loans. etc.. there are quite a few posts that hash it all out with alot of differant valueable points from alot of people.
I'd say however right now why not find a good local FBO or somewhere nearby to knock out your PPL to get things rolling while your saving over the next year... (.. never thought I'd type the words saving money and flying together !! ) Meanwhile do your research and find the route that fits your goals so when the time comes next year you can take the plunge with minimal debt.
I don't think one year isn't going to make or break you in terms of your age... there are many on this board your age or older who have made the transition. As for the state of the industry a a year from now versus when you'll finish training... as many have said before it's quite cyclical.. that's already a given ... but if ya want it bad enough get out there and plan to make it happen !!
Best of Luck !!
