If I were in your shoes I would go to college, and study everything I could about flying at the same time. I would do all of the bookwork and studying for the numerous exams that I will need to take while I have the time and am in the studying mode. I would spend hours and hours on websites like this one so I can learn about the real world of the piloting profession. I would hold off on actual flying lessons until I could pay for it myself without loans. It might take a year or two out of college to do so, but it is important to me to stay out of debt to the greatest extent possible. Stay solvent!
Haven't pulled these out in a while:
SteveC's accumulated "Loan Rant" posts 