Thing is, if you want to instruct, you've gotta spend moooore money. And if the loan repayments are hurting already, then take into account more money on your repayments and the extra time to get your rating. Not to mention the low pay you'll receive as a Junior Grade 3 instructor.
However, if you were to go north, it would be very little time between leaving home and starting in a job. The money would be slightly better as well. Plus, get out and experience life! As I say, leave mum's cooking.
morno