You have so much going for you Angel. You've got passion, a good eye, and a good start in school, it sounds like.
In addition to the business course, I hope they have a course or two on web development? I think business and web development will be at least as important as your photography skills.
Some of the folks here have some work that is really high grade. You should aspire to that, of course, but you should not wait to charge until you're up at the highest level. It just isn't realistic or profitable.
When I worked at the camera store, there was one guy who shot weddings. I saw his shots and thought: "Those are no better than mine." I talked to him about it, and he said that people aren't that picky. For the most part, they just want to see good pictures of themselves. Sharp, well-exposed, etc. He shot most of the wedding with a Tokina 28-70 f/2.8 and a nice bounce flash. I think he also had a 70-210 f/2.8, but with a good flash, f/2.8 (and all the money that goes with with) All you have to do is avoid the bride-zillas who want that silly artsy crap.
As for pets, yes, you should go for it. Natural light for now. As soon as you get your SLR, get a bounce flash, and that is a great start toward being able to shoot in artificial light.
Your cat pix on your Flickr stream are great. Don't let anyone tell you otherwise. Any cat owner would love to have pix like that of her cat. The only thing they might ask for differently is color. (B&W isn't for everyone)
Keep your passion, and spend your money and time in the right places. Soon enough, you will be one of the people here posting your wonderful pet shots as a pro. Just remember where you came from, and don't talk down to people who are just starting out and who are full of passion.