This subject has been done many times before and the search function will give you many other examples to help form your opinion.
As for likelyhood of employment upon qualification, well, I think you have to extremely realistic when planning for loan repayments etc. The chances are that with circa 200hrs and your shiny new licence you will not get employed. That is a mass generalisation and of course there are exceptions to the rule, but being realistic I think you have to consider the strong possibility that you are not going to walk into a paid flying job and you are going to need to roll your sleeves up and start the (sometimes) long slog of getting a paid flying job to build experience and get yourself into a position where (I assume you are talking airline) employers are interested in you. There are many people on these pages who have been down this road and who are still not in an airline a few years and a few hundred or even thousand hours later.
Sorry to sound so cheery about your prospects! It's not all doom and gloom (quite!) What you have to do is hope for the increasing demand for pilots (which I am sure you are aware has been at a distinct low) to continue, for world events not to conspire against the industry again and for a bit of (self made) luck to come your way! Keep all options open, consider the potential requirement for you to have to pay for an initial type rating, apply for selection to things like the CTC ATP scheme and plan on having to fund an instructor rating or something to get some experience.
So earnings potential. Well, if you get a job on a jet straight away (the most unlikely) you could potentially earn up to about the 'high twenty thousands'. But, you will probably be on some kind of self funded type rating scheme which may have additional tie-ins and reduced salary for a number of months or years (or extra debt). A turbo-prop job (again fairly unlikely with 200hrs and in my opinion even less likely than a jet job with the same hours on one of the schemes) you will earn something like low '20's. Anything other than this (non airline) and it varies vastly from working for nothing (as you are getting valuable hours) to very good but not getting much experience working for a private owner perhaps, but again you are unlikely to get that kind of job with so few hours, similarly corporate jobs as again more hours tend to be required. Working as an FI varies again depending on school, location, hours flown etc, but generally speaking you are not going to earn good money as a newly qualified FI, certainly not enough to finance living costs and repay a huge debt. Many people freelance instruct and work in something else as well.
Again, sorry if it sounds depressing, but I think it's a fairly true picture of the potential, which of course can all pale into insignificance if you apply and get a jet job a month after qualification....................................!
Good luck.
PP