Sounds like you have a good head on your shoulders. Planning is good.....but, be very flexible! You're young and have plenty of time to make it in aviation. You have a 4 year degree (without debt) which will improve your odds and gives you a leg up already. My daughter just graduated from U of Louisville last weekend and she asked me (in jest) what I'm getting her for graduation? I said I already gave it to her...a FREE college education with no debt. She won't truly appreciate that until she is out on her own and paying one less BIG loan payment that her friends are paying. BTW...she gets married in July so she'll also be off my payroll...so daddy is getting a raise!
Anyway, aviation is expensive! Also, there are NO guarantees after spending all that money with the volatility of aviation. Sorry to say, that's just the way it is. You'll always be one FAA medical exam, terrorist attack, failed checkride or company furlough away from unemployment and starting over. That's the part these "zero to hero" flight schools don't or won't tell you about. I will, since my advice is free and I have no dog in the fight.
The upside is that airlines worldwide are in a huge pilot retirement/expansion phase which isn't being back filled at a sustainable rate. The reasons why can be argued, but basically there are fewer military pilots, fewer folks getting into civilian aviation because of the expense and general overall lack of interest. All this combined with many airlines around the world expanding their service and fleets has created a true world wide pilot shortage. It's better than I've ever seen it and is affecting even the majors.
It's a great time to look for a pilot job. Time is on your side...for now. Don't waste a second if it's what you really want to do. Understand there will be many ups and downs along the way...it's normal, it's called "Life". You'll question your sanity at times (I did) and there will be times when you'll want to find an easier road (I did). If you hang in there and grind away (USAir Capt gave me that advice back in the day) it'll be worth it and you'll look back at hopefully a long career and be proud of what you accomplished. Doors will open when you least expect it (they did for me).
The best piece of advice I can give someone starting out in aviation (or any career field for that matter) which was given to me but I really didn't listen, is to enjoy the journey and not focus so much on the destination or the end game. The days and months can be long but the years fly by in a flash. Looking back some of my favorite moments in my career were back in my commuter flying days making squat money, eating soup and flying in the soup and truly "livin' the dream". I spent too much time focusing on the next rung in the ladder to enjoy or appreciate it then. 4 years from retirement and I wish I had spent more time enjoying the moments along the way and not waste so much time worrying about the future (the end game). It'll all work out if it is meant to be.
Good luck...