Starting my Private Pilot License in the UK.

32M and ive just booked my first 5 hours for my PPL.. really excited. Concerned ive left it too late though.

My mother has offered to loan me the £100k for a commercial license if i decided thats what i wanted to do… have others done similar? If so how did it turn out? Are you in a full time job now? And is 32 years old too old..