Depending on your prospects I would do one of two things.
Either spend even more money on an FI rating and try to get yourself closer to a Commercial Flying job through increased hours instructing......but you may never be able pay the interest on your bank loan....
Or, get a 'proper' job with career propects. Then if you manage to do well you can pay to maintain your ratings and pay back some of the loan......
When things pick up you may be able to get a flying job having paid your way and kept the bank manager calm.
It's not an easy life.........but you chose it.
