You have to ask yourself, realistically, will 500 hours on type actually improve my chances of getting a paying job? In this market personally i'd have to say no, given that there are far more experienced people than that out of work. That is apart from all the discussions about the morals of paying for line training. So then you're in 25k more debt for no advantage whatsoever.
As for instruction I don't know the market out there but i'd imagine that's also pretty dire, go round the flying schools and try and judge the demand they have for FI's, ask plenty of questions. It may be more sensible to sit tight, keep as current as possible, work in another job to keep paying the bills 'till all this improves. Good luck with it all
WBV