It's easy to say fly in the Guard, but isn't it very hard to do? I know guys with degrees who have been trying for years and can't get in anywhere as a pilot. I'd love to do it after college, if I could. We do have Moffett right here in the Bay Area with C-130s, they seem to rarely fly tho.
To the OP, I can't help you with the debt solution, as I've stayed out of debt so far. That being said, I started flying in 2005 and have a PPL with 180 hours. Then again, I've had so many huge non-flying expenses in the past few years that I've been broke even living at my parent's place. Don't know how the hell I would have even survived if I had a loan out for flying. I am doing a lot of non-flying stuff to try and secure money to fly and for my future since flying won't allow me the lifestyle I desire. Do you have any non-flying hobbies? Find ways to take everything you love to do and are naturally talented at and make money off of them. It's still hard work, but it's very rewarding. Especially if you can get into a creative field and make a name for yourself. I don't know your personality type, but if you're very outgoing and make friends easily, find ways to get people to pay you do stuff in an airplane. Got to think outside the box on that one, but if I had the damn money/time to get my commercial, I know I'd be doing some really cool one-of-a-kind gigs right now. Just gotta keep an open mind and make a lot of friends.