Hi Cignaguy,
It good to see your asking alot of questions. My background is working full time with wife (no kids) and have my multi-comm. ratings from a local FBO in socal. Listen to what Ninja says because he's dead on right about living with a large amount of debt from training. I've built my hours on weekends with friends and renting and get a weekly fix doing it. All the while working fulltime. Sometime the grass is greener on the other side, until you actually get there. I've seen friends get furloughed from airlines, suffer from low pay, and straight quit the industry because of how unstable it is.
I would recommend go to an FBO fly when you can and don't go into debt. to work a job that pays $17,000-$25,000 starting at the regional level. I've got 0 debt. from going to an FBO to flight train. Yeah, it may be slower, but you won't have that big old lady name Sallie calling you for a $400-500 a month loan payment.
Maybe I'll take the leap someday when I'm ready to fly a jet someday(ain't no rush, but for some there is), but I like having gas in my car, food on the table(not top-ramen either) and money in the bank. And I get to fly where I want and whenever I want carefree! To each his own and best of luck which ever path you choose!