Matt,
Loco, ECT, and ZK-DAN are good pals of mine and GREAT instructors (one is a clone of the other infact!)
Loco has a head full of knowledge and has certainly helped me see where i want to go with my flying. So he is the man to talk to. But DAN makes a good point... the coffee HAS to be good!
But seriously good on ya for wanting to be a career instructor. the view that people have of instructors these day's as being at the bottom of the industry is totally disgusting. as loco often say's, everyone was a student pilot once. and they owe their current flying jobs to their instructors!
finally, i have to agree with ECT about the Pay-as-you-go method. it is much healthier in the long run than student loans. so push this on to your students from day one!