Where are you looking to go? Major airline? puddle-jumpers and flying winnebagos? Banzai in a blizzard Alaskan Bush Pilot? Down-home local Charter? Aerial Survey?
That's the thing. Instrument Rated and Multi-engine and that is nice, but will it be a future that pays the bills? Those major airlines start everybody out co-pilot, at shit wages, on shit routes. Now throw in they still want clot-shots.
Maybe zooming through the skies scaring birds in the left seat of a freighter for UPS or FedEx might be more your speed.
Corporate is usually not a good choice, those company lears get dropped real quick when the profits go down. Charter jet may be nice, depends on the FBO you join up with.
Have to decide where you want to be in the ten to fifteen years it may take to repay that loan. A recycled Eastern 727 for Varig coming into Rio where you hope that gear is down may not be the adventure you want