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how to reach my dream?

I've been dreaming, since i was small, to be a traveler, to take pictures of so many great places and different cultures. to be on the eiffel tower, to see the big cathedrals in france, to visit turki and romania, the ancient city with beautiful gothic buildings, morning market in indonesia, busy road of japan, tall wall of china, wide green in new zealand, children from all over the country.

Not to be attached with the work in the office and meet clients and projects and due date.
just a freelance photographer or journalist. learn so many new things, language, culture, foods, see friendly faces, make lots of frens..

But i feel like my whole future already been written off.. and tied up on my two feet,.
after i finish my degree year, i'll have a debt about rm40k, with no job or money to pay.. and i need to work my hell lot of years to finish it off.. and at the same time, thinking about having a family and settle down. then children on the way, more responsibility.. until the day i die..

I'm not sure if i want that.. not to enjoy go to places.. and reach my dreams..
i can't imagine, having to bury my dream because of that.. call me selfish, call me ignorant..
of course i want a good happy family and good income..
but not yet.. wait, i need to achieve my dreams first..

aaaaaaaahh.. what to do~!!