I really wouldn't think it would be a wise idea to borrow money from loan sharks to fund the CPL training.
Anyway, on the topic of training costs...
To be an instructor in Malaysia, after spending about S$70K+ on the CPL/fATPL, we would still need to do our own flying (spend more money) to reach 150 solo hours before qualifying for the AFI course?
Once we complete the AFI course and start looking for an instructor job, I believe we would have already spent more than S$100K!!