In reality by taking 2,3 or 4 years to get qualified just prolongs your career and opppotunitys gone begging.
Bingo, I started at the same age also. Self funded and paid as I could. Took ages and then I got in at the bottom.
Get the loan and get on the market, you can always get a second job to help you through the lean times of GA and you will be on you r way rather than wait another????
If you want to save a bit of cash on your training, don't get an instructor rating. Get your CPL and get out there and start flying charter.
Good luck
DD