If you don't have the cash and no real qualification to fall back on with a decent wage......even if you managed to secure a loan, you'll struggle to make the repayments while your waiting for an airline to snap you up.
Best to take the job with say a three year plan.
Get your PPL
Study for the ATPL exams
Hour build constructively towards the standard for the CPL
Then if you have any cash left the Multi/IR/MCC
Keep your job until you get lucky.
This is only an opinion
em