If you are keen on becoming an instructor, rather than taking out a bank loan and risking failing to meet repayments because either you cannot find a job or the salary you do get from the job is not high enough to cover repayments (plus other luxary items for FIs like food!),why not try for a sponsorship.
There are instructor sponsorships out there, and yes the pay remains poor, but at least your sponsorship 'loan' is being paid off through the work.
There has been a somewhat negative slant on instructing, i.e. terms and conditions and PAY. But if you go in with your eyes open and expectations realistic it can really open up the world of aviation potential to you.
In the past the following companies have offered instructor sponsorships or an element of instructional work within their schemes:
Cabair
Cabair/KLMuk
Air Atlantique
Tayside Aviation
A&G
I don't know who might be running schemes at the moment.