To make a long story short, your situation is not all that unique.

In my opinion you should do whatever it takes to obtain your intrument
and commercial ratings and, ultimately, complete your degree requirements.
Nothing gets any cheaper, flight training included, so the longer you
wait the more expensive it will get (thanks in no small part to government
regulations... but I digress....)

After that... persue your dream because you are still a young man.
If you have a love for aviation then persue that even if you have to
work at some other jobs (or eat crackers and cheese) to help get you
by in the interim. If you are not consumed by aviation (and a life of
abstinence and poverty) then move on to something else. You are still
young enough to switch gears a few times without attracting undue attention.