Take option B, pay off your debts, save money, get your CFI out of the way, then find someplace you can get paid to teach acro/spin/tailwheel on the weekends.
I'm in a different situation, but I recently made a similar choice. I'm late 30s, with family, and had been steadily moving into aviation as a full time job from nursing. With the economy du toilette, I ended up doing less flying and more working at the hospital since last summer/fall. Then over the winter even the hospital was slowing down, laying off, sending people home early without pay (heavy Big 3 area, people losing jobs and/or health insurance, etc). I managed to fall into a hospital IT job a few months ago that pays more and actually has a bit of job security thanks to the Obamanites and their push towards electronic medical records.
Not my passion, but I get paid well, have decent bennies, and still can do some instructing after work and on weekends.