Buddy,

Build your time by CFI work. You'll be doing yourself and the profession a favor. Not to mention the skills (flying, CRM, and leadership) you'll learn by teaching / learning from your students...Yes, learning from your students - i've passed on a few things to my CFIs over the years...I've learned a lot from them - both by what they said and did and things by what they didn't say and do...You'll miss out on that opportunity and be out 30K...

-LA