MPL / ATPL Loan

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You didn't state where you are in the UK, or what you circumstances are.
So without specifics, I'll have to be general in my reply.

If you have a good local flying club, where you can get a PPL Whilst you living at home and working or studying, then do it.
But remember every Pounds wasted will only slow you down. You will need every Penny later on.

If you have family or friends in America where you can stay, then consider doing a six week US PPL during your summer holidays.

With the Pound so low against the Dollar, consider going to Canada and getting a PPL there as the Canadian Dollar is equally depressed as the Pound.
The advantages of the USA are not as great without a good exchange rate.

The United States is, and likely always will be, the best place to hour build. But like anything, you have to spend your time and money wisely.

I don't know what your like as a student. I was quite a bad one myself. If you can self study, and do a BGS course on your own, then do it. But many people fall by the wayside at this point. Don't be one of them. If your not motivated at self study, then go to a six month ground school. It doesn't have to be at the same place you do your flying at. It would help if you can do this from your or a relatives home, as paying for living and housing expenses all adds up. There is not time to do anything else during this period.

Before you hour build, I think you should first select a school for your flight test. But without knowing where you live, and my lack of knowledge of anything outside of South East England. I can not advise you to the best place. I'd have to say they are all good, as is Cork and Lodz. But if your a London lad like me. Then I'd got visit Stapleford Flight Center and ask them specifically exactly what flight time in every category would I need to enroll in a course to get everything you'll need.

Many people prefer the idea of getting a US instrument rating. Some advocate a US commercial/instrument/multi-engine and doing a conversion.
I say it all depends of your circumstances and the deal you find. I met two Scandinavians recently, who leased an aircraft for 500 hours and one year, with a buy back agreement.
Two cleaver Swedes in my opinion.

Then, and only then, would I ever consider borrowing money. I have a personal affliction against ever borrowing money from banks. I would rather work for the money, as I did motorcycle dispatch riding around London to pay for mine. But I'm not opposed to others doing so.

Forget the idea of borrowing 100,000 Pounds just for a job at FlyBE. You'll need 120,000+ Pounds for a job at Ryan/Easy. They don't pay enough to service the debt.