Spbeyond said:
No! You're not being an idiot at all. In fact, by coming here and asking questions, you're actually being an anti-idiot.
Here's one of the things that really concerns me about your situation: I'm 28 and I've tried a LOT of careers. High school teacher, sea kayak guide, carpenter, studio photographer, nature photographer, etc. It took me a while to settle on aviation because it took me a while to figure out exactly who I was and what I wanted. In large part, I needed to settle down, develop my relationship with my wife, and do lots of other things that I never could have forseen when I was 20. I enjoyed all of the careers I've tried and when I started them, I thought I'd be doing them for life. Luckily, when I decided to change my path, I was able to. If I'd had $80,000 invested in any of those careers, I wouldn't have been so free . . .
Don't put the cart before the horse. You need a degree, you need flight training, you need flight experience. Keep working on your degree and flight train on the side. Heck, even get your CFI ratings. You could even teach other pilots while in school to help pay the bills and build your flight time. But DON'T walk away from school and use a huge loan to start flying. If you really hate school that much, you probably won't finish later, even in an on-line program. Also, debt might not seem like a big deal now, but it is - especially when you're looking at a career that hardly pays enough to live on, let along repay a $500/month loan.
Many of us here are career changers. We can all tell you just how little we knew about what we ended up really wanting in life at 20 years of age. Don't lock your self on a single path now. Keep the doors open, pursue what you're passionate about, and leave options available on the off chance you end up changing your mind. You've got nothing to lose by doing it that way, but have everything to lose by taking out a loan and quitting school.