You won't be able to get a business loan -- they'll want a business plan, proven operating history, and known cash flows. At best, you'll get a personal loan secured by you personally. The rates on personal loans are terrible (in some cases approaching credit card cash advance interest rates, though you can do better if you have great credit and/or shop around and find a bank that likes you) and, even if the business folds, you remain liable for it.
Investing is another kettle of fish. My main con there would be a) it takes a lot of time and b) there are fundable businesses and unfundable businesses, and if I had to guess, you're unfundable. There's nothing wrong with that: I sell software to schools, teachers, and homeschool parents, and my business is not just unfundable, it's laughably unfundable.
Have you considered bootstrapping? It really doesn't take a lot of money to get into educational software. Trust me.