First of all let me congratulate on your achievement, your bachelors degree. I know very few people who finished their bachelor's degree in something other than aviation and started flight training. As for me I am working on my bachelors degree in humanities. You are in a great place. You have saved some serious money and probably in less or 0 debt. My advise is, continue training at your local FBO. It will not only save you a huge sum of money in the long run, but you will become a good pilot overall as oppossed to certain programs like "0 to hero in 90 days". I say "forget it" to that!
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The other reason I ask is because I am worried that if I go the FBO route and get my instructor certs, I won't be able to find a job as an instructor.

Are you kidding me??? Please don't borrow any more money to go to a flight academy. It's just not worth it IMO. Like I said before, with the amount of money you have your training should go very smoothly. Try not to think too ahead of time. There are many many many options in this field.