At the moment lots of schools are paying or bonding FICs so before you jump in somewhere and pay look for these sorts of opportunities. One example being FTE Jerez running their Flight Instructor Career Development Programme. 3 year bond no payment from yourself and have the oppurtunity to gain ME IR rating later on whilst teaching PPL level. This sort of thing would allow you to pay for an ME IR whilst working in industry.
Nurse2Pilot if your not already I would head down to Pilot Careers Live in london on 2/3 november, lots of schools and lots of places to get answers.