I suggest that you wander out and take whatever hours you can get through the skydivers in their 182. Leave the loan and the instructor rating for a bit later if you decide that itr's best to go that way. My reasoning is that you will start building on those hours slowly in the skydiving world and it might just lead you to getting a charter job somewhere without having to spend the dollars at all. You are young and have plenty of time so be patient and start clocking a few hours in the old 182 and you will be on your way. Likewise, do the C210 training later if you need to. A C210 endorsement can be done in a half day and it will be lots easier with some 182 time behind you anyway. Should you go jumping, be prepared to have a bunch of skydivers tell you everything they know about pilots and aviation in general. Skydivers are an interesting bunch and generally consider themselves to be experts in all aspects of flying, meteorology, navigation and have an bottomless pool of weird advice for new pilots. Nod politely and look interested. You will have fun flying jumpers and learn all about CofG effects and the climb performance of a 182 but do keep your eye out for something better. Get out there and have a look and see if you like it anyway. Good luck.