magichat101, you're not too late to the game...however...
You need to consider your decision to become an airline pilot carefully. Since you mentioned money as being an issue, my question to you is, do you have sufficient funds to support your training needs through your flight instructor certificate? After all, you will need to build up 1,500 hours of total flight time before an airline would even touch you.
That said, are you ready to take the ATP written before August 1, 2014? If not, you will fall under the new rules for taking the ATP written. This could potentially add up to $15,000 additional cost to your pursuit of the airline career.
You will need enough money to get you through your Private, Instrument, Commercial, Multi-engine, CFI-A, CFI-I, and ideally, MEI; with the potential of an additional $15,000 on top of that. Of course, once you get your instructor certificates, you can make money to offset the $15,000 for ATP, but are you going to be able to get an instructor job that will be able to pay your bills as well?
It seems to me you need to take a hard look at your financials before you continue on your path. Also do research on the airline career. It's not what it used to be and the quality of life is only getting worse for pilots; not to mention the low pay. Depending on which airline you go to, you could possibly find yourself capped at 4th year FO pay. There are many FOs out there that are on year 9 with no upgrade in sight.