I wouldn't pay for a type rating unless I had already been offered a job at the end of it e.g. Ryanair scheme (I know a lot of people on here have strong views on that too).
I'm just looking at the worst case senario in which I need to find an extra £20k to start my dream job. If I go with a personal loan for around £10k, I won't be able to extend that if I need to pay for a type rating.
Therefore, I am looking to get a loan which could be extended up to around £30-40k.
I think the Instructor rating may be a better option. When I first set out on my dream of flying, I wanted to be an instructor, but it doesn't seem sustainable with a low starting wage and loads of debt to start paying off.