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Depends on local area CFI demand and how much time and effort he wants to devote into getting his CFI. But basically the sooner he can get into building 1000 121 hours a year the better. Every year he is delayed in that will cost him a lot more than that in pay even over the next five years - and far more in lifetime pay. Not to mention the loss of a year or two of CAREER LIFETIME seniority when majors will be hiring 1000 new pilots a year.

Probably no $50 k he can invest right now will give him a better yield in terms of return on investment. Even a $50k loan to make it happen at 10% interest would only wind up costing him ~$450 a month until he can pay it back. That’s a car payment. Yeah, yeah, it’s nice to not have outstanding debt but sometimes it’s worth it.