Absolutely do not get a loan, especially in this economy. You can very easily end up condemning yourself to years of what is effectively slavery. You would be better off just accepting your situation and finding freelance work through connections, flipping stuff on ebay, doing gig work etc.
When I was out of career-work I managed to get some minimum-wage programming jobs by targetting crypto groups and I ended up starting an ebay side-business that still brings in about 300 USD/m for not much work. My CoL is very low so that pays for everything except food for me, that's one of the advantages of moving to a low CoL area.