Again your call but I’d be cautious about waiting too long for a couple of reasons. First off the industry is experiencing a pilot shortage which has created a very favorable hiring environment unseen before in history. While the shortage is forecast and should continue for a while things could change quickly with little notice. Second virtually everything in aviation is based on seniority and the sooner you’re hired, the sooner you begin to build it. Your seniority will have an effect on the quality of your life, your ability to upgrade and of course your pay. Sooner is always better.
I appreciate debt is scary and the fact you’re aware of it and don’t want to be buried by it is a good thing. That said many of the Regionals are offering tuition reimbursement which will help. On a “bigger picture” note I offer you this. You’re a young man and will not only have the opportunity to have a long career in aviation, in the current environment you’ll have the opportunity to advance quickly. Top salaries for Capts at Majors is over $300k and there’s no reason you can’t get there. While it may be tough in the beginning every year you delay removes one year on the backend of you making that kind of salary, 6 mos worth would clear all that debt. Make sense?