Many/all airlines will want to see a college degree of some type nowadays so keep that in the back of your mind as well. Does not have to be from an expensive college but you should work towards a 4yr degree.

We are all guilty of wanting instant gratification sometimes but you gotta let it go sometimes. I would not seek out ANY additional loans if I were you. I know it might seem like it sucks now but you will regret the debt at some point in your life. If there is anything I could change about the past it would be that id have taken on less debt.

You make $2K/month now, thats a start, is it any kind of work you can "move up" in? Any other career prospects right this second? What I'm getting at is id look to increase my income enough to really start to knock out the ratings on a pay as you go basis. Then instruct on the side to build time and if you think you are in a position to jump ship to a flying career and you have the minimum hours, you can decide to jump on it.

Any reasonable cost/benefit analysis will conclude that you should not go into piles of debt to jump ship to a flying career. Many years at the "bottom" await and even then, its an uncertain path. Its not like medical school then a $100K+ salary.

Again, Id look elsewhere to provide for yourself/increase your income, continue to fly as much as possible and instruct part time when qualified. When you find yourself at 1K-2K total time and loosely qual'ed for airline work with NO debt, you will be in a much better situation to maybe jump on that low paying regional job and make it work vs going into it a year from now with an additional $75K in debt to pay off.