This is what I would do... more because I followed a similar path with a different outcome:
1) Get your bachelors degree above all. No matter whether you become a pilot for a living or work in the groundling world, this is a priority. Within the decade it is expected that the bachelors degree will be the bare minimum that will get you in any well-paying jobs. Sure, there are folks in aviation and in business in general that have just a HS Diploma, but as those grandfathered-in folks retire, the person hired to replace them will be at least a college grad.
2) When going for a degree, get one that is flexible and that you can use. Some of the "aeronautical science" degrees that are attached are built around more science of flight than the business savvy that you need to have to survive in aviation. It kills me that pilots that are graduating from these programs know more about the dry adiabatic lapse rate and laminar flow than labor laws, small business management, or basic finance & accounting. It's just my personal opinion, but I think that a business or marketing degree is just as good as a science degree and is far more practical unless you are going to be a test pilot or the like.
3) Look at some of the online degree options out there... just make sure they are accredited. The time savings, and in many cases, the money savings of these new programs may work better for you and your schedule. If you need to work while doing the flying and taking classes, this may be the most flexible and effective option for you. Do your homework though... programs vary widely and some places are nothing more than fancy scams. Take a look at CollegeBoard.com or Petersons.com for these options.
4) Fly out of a local FBO that you trust. It may be harder to get initial financing for this option since it won't be part of a college, but you won't be paying as much as a college program for it either. Sallie Mae does offer loans for flight training, and since you have equity, you'll probably get approved. Shop around for good prices and special programs like block time. Look into possibly buying a basic IFR certified airplane for your training and sell it back after you fly off your 200-300 hours. If your credit is good enough to do this and you can keep your fixed costs down, you might just make out in the end.
5) Find mentors with local groups like the Ninety-nines and EAA. When you are flying to build time for the 250 hrs needed for the commercial, you might consider hooking up with a buddy and safety pilot for them and they safety pilot for you... split the costs and network at the same time. Look at the organizations above for flight scholarship options. Look for local groups that offer scholarships as well...
6) Get your Ground Instructor certificate as early as you can. This way you can earn... albit meager... money doing a ground school here and there. The value to it is in the experience you'll get teaching which will help you become a better CFI... which you should do as soon as you are able since you can work and go to school at the same time.
7) Keep your chin up and learn, learn, learn...
Hope this helps... email me if you have any questions... I am in College Admissions so I have a little inside knowledge.
Ryan