Most of guys posting here had better options when they were in your shoes. Do you have multi crew time in a jet? If yes then better options elsewhere.
Do you have fast jet military time? If yes better options elsewhere.
Do you have command time in a multi crew turboprop? If yes better options elsewhere.
If you have none of the above use it for what it is, there are no better options. Join and get your time in a multi crew jet and move on. It won't be easy but doable for 4 years. Don't spend the forgivable loan, pay it back when you have time in a jet and another job option and move on.
I was there 8 years ago, if you don't have multi crew time there was/is nothing better. Get the rating, get the time and move on. Yes it will be hard for your family but it is doable for a short time. As I said before, as a career, no way.