To the older and occasionally wiser folks here, I think your question looks badly focused. Here's my advice...
You are learning photography -- with the intent to make it a life's work apparently. The most important lesson you can learn is to overcome limitations. This is the constant challenge of photography. No budget ever imagined will get you the equipment you need to overcome all challenges. Someone will walk in front of you just as you're about to shutter button the greatest shot in the history of humanity. You'll be forced to shoot something in harsh, midday sun with no shade anywhere. You'll have to get a shot in the dark and without flash or artificial light. You'll be asked to do a professional portrait at a client site with no studio lighting, no assistants, no light modifiers, etc., etc. You'll do your best work, a true masterpiece, and a client will hate it and tell you to do it over or you don't get paid. You might have to shoot pictures while people are shooting bullets at you! Maybe the payment for a big job comes in late and you can't pay your rent or the bank shuts down your line of credit. These are the real working challenges of the professional photographer. Again, learning to use what you have available to overcome challenges is the most important lesson in a photography education (perhaps more so than in most professions).
You currently have good equipment tools. As others have suggested, if you can't overcome present challenges with what you have available, maybe more tools isn't the answer you need. Unfocused seems to have spotted the one equipment area where you may need real reinforcement. Otherwise, you may want to think about accepting the challenge of doing more with what you have.
I think most of the advice so far is urging caution about student loans, and that's worth listening to. Personally, I believe the student loan thing has become a nearly criminal enterprise. As I've said in things I've written on the subject, we used to nurture out young people, now we prey on them.
Anyway, given all that, I'll finish with a quote from David Henry Thoreau:
"What everybody echoes or in silence passes by as true to-day may turn out to be falsehood to-morrow, mere smoke of opinion, which some had trusted for a cloud that would sprinkle fertilizing rain on their fields. What old people say you cannot do, you try and find that you can. Old deeds for old people, and new deeds for new."