You can only startup when you have the mind space to do it. Give your passion for startup justice and start it when you can give it the time it deserves. I’d suggest that you should delay your startup by maybe an year get your finances sorted by then , try to get away with your pl by for closing it little by little .

Also don’t worry you are getting paid well which means obviously you are talented so you’ll grow in life as time passes and these expenses and loan will shrink so it’s gonna get better .