wingshare.com and pilotsharetheride.com , split costs... honestly though that aside you can wait tables at night to make the money to get your CFI's at a 61 school... if you want it bad enough you can get it done... a CFI is honestly not that much flight time. I waited tables/bartended at night to pay for flight time/ratings during the day without needing a loan... I'm sure you can do the same.