If you like what you do..the money will come.
I've realized...as well as you will at some point that NOTHING in life comes easily..especially not now a days.
You have to truly enjoy...or even better...LOVE your job to be successful with it. If you can't see yourself doing this career forever then I don't think investing in culinary school is a wise choice because it's expensive and you are right, initially it's not going to yield a huge outcome. School is just a tool to advance you farther a little faster. In this field experience AND TIME is a huge factor in the amount of money that you make and where you work. Unfortunately sometimes I think the pressures on young people are so great that they feel they NEED to attend a school for something without even giving it much thought.
Think of school as a car, Would you buy a dodge ram when you only need a chevy aveo???
could you afford the dodge ram?
I think maybe waiting a little longer or taking some community college courses in business (since you can get a lot of stuff with a business degree...including look better on a loan application if you want to open your own restaurant or bakery someday

)
I'll tell you some more lessons I've learned about life (i'm 25)
Not everybody can be a millionaire..or even a hundred thou a year "aire" ...and once you can accept that and get over it the easier life will be. I thought for a time that maybe I should be a computer programmer...I like computers...BUT not enough..or not as much as those hot shot programmers pulling in six figures a year...not as much to get dressed up nice everyday sit at a desk.
Not enough to be a part of the corporate world where you're as disposable as a dirty dish rag...the one where after 20 years a company just randomly lays you off when you're just about to retire..*ouch*..
but that happens all the time.
Some people like that atmosphere, not me
and maybe some of us who can't take a job like that are unfortunate because we're relegated to being a truck driver, carpenter, artist, musician, or gasp!
COOK, CHEF, BAKER...
but, it's fine by me because I love being a cook...more than I love money.
and as long as I can make create food and be in the kitchen
I'll find a way to make it work.
good luck to you