Just a few words about loans. If you decide to take out a loan to speed things up a bit, which I support. Make sure you have a back up plan to repay the loan. Better yet, make sure you research all options before taking out a loan. After you take that loan and spend it. It is yours to pay back regardless of your employment status.
As far as part 61 or 141, I would agree that it doesn't matter which you go to. I also agree that you may save a buck or two by going 141. They are usually designed to achieve your ratings in less hours than part 61.
I would recommend you get your Instrument rating after PPL. I believe instrument training really dials in your aircraft control and multi tasking ability among many other valuable skills.
Good Luck