Get out of SFO as fast as you can. Try to transfer to a cheaper CoL mx base and start saving. Ideally if you could save the 60-70k that would be best, but even if you just save 25k in a year and knock out the private and instrument. Then maybe buy your own plane or a share of a plane and use that for time building, that’s where these flight schools get ya. The commercial alone is 25-30k because of all of the time building. Then you could sell the plane once finished with you ratings and get some money back while you starve as a CFI

Anyway best of luck, it’s a fun career but has its challenges and barriers for sure. Keep us posted!