The problems with loans is, at some stage you will have to pay them back. Your family will resent you for basically keeping them poor for the next 10 years whilst you get to jolly around wearing a pair of Ray Ban Aviators.
The path you look to choose is littered with broken dreams and families.
Maybe set yourself a task of getting your weight down to 95kgs. Learn to paraglide, this might also get you thinking of some of the dangers involved in aviation. If you can achieve the weight loss (its a goal thing, got nothing to do with retaining a pilots medical with your current BMI) then look to use your own money to at least go solo (private licence would be better), then revisit the loan idea. You will have a little insight into the industry and how the wife and kids feel about the financial drain.
Today I'll be taking a wide body Airbus to Seoul with a guy beside me who's kind of obligated to find my jokes funny (they are not). I hope you get to do the same some day, but the odds are against you.