Niuflyer22 -
I would do option A.
You will have already completed the four year degree that will be necessary down the road if you want to take your flying to the step beyond regional airlines (if you want to fly for the airlines. Do you?).
It is nice to have as little debt as possible and if you shop around for an experienced CFI that isn't going to bail out of the flight school during your training, they could take you from where you are now in your flying up to your flight instructor certificates with more personal attention and better preparation for what is ahead. Just make sure that while you work, you get the flying sessions in regularly. The more you wait between them the longer it will all take in the long run and that costs you money.
I would like to offer a slightly different view of some of what CFIse said:
In which case time is of the essence. Right now you can be hired at a regional with a commercial and a pulse. That may not be the case forever, and if the "pilot shortage" does cease to exist and the minimums go back up you may have to go back into time building mode which will delay your career further.
I suggest not thinking of any flying you do after your commercial as time-building. Sure, if you want to fly for a 135 cargo carrier, or a local charter company, or a regional airline, you are working on building up flight time and experience to prepare for them. But I would not consider this "delaying your career." Why? Because at the time you are flight instructing or towing banners or ferrying planes, that
is your career. It might not be type of job you'd like to finish your career in, but it is the beginning step in career as a professional pilot. If you are going to be a CFI who is concerned about delaying their career, save the students a headache and don't even instruct in the first place.
People will tell you to CFI for "experience" and to "pay your dues", but mostly they're just pissed off they had to do it, and that currently there is the opportunity to skip that step and move on with your career.
For me reading the thread, this one really came out of nowhere. I even put that confused smiley face in there. Nobody I know is pissed off that they had to flight instruct before working at a more complex flying job. If I had skipped that step in my career, I'd have skipped a year of making more money than I am now to fly a plane that weights twenty times more, I'd have missed a lot of fun flying in a place I had not seen much of in my life up to that time, and I would have really not seen enough of general aviation flying because even if you like airline flying better, there will be moments where you wish you could just do a lap around the pattern at the end of the day because you feel like it.
Congratulations on graduating.
Looks like I'm considered
old skool by post count now. :rawk: