...Hrm. I was going to agree not to pay off the loan, but then I noticed that we have 16 silver. Holding the money is halving our (admittedly crappy) pay, and if we aren't using it for anything, then holding it is dangerous in itself. We could be robbed or spend it on a trinket, again.
I dislike the current job, which uses 80% of our actions and pays minimum on half of them, but there's an argument for keeping it if it's largely mundane and doesn't drain update time; our in-game time is of little value, beyond possibly outracing the nebulous evil that we're supposed to stop (and which the game likely won't survive long enough to see). In other words, it uses 80% of our in-universe time to generate a pittance, but if its mundanity functionally accelerates the passage of time by 500%, then it's arguably free money.
Considering Dev ended the last update with "Three actions remain to you this week", this probably isn't how the job works, but I still don't want to leave it immediately because that's creating bad blood.
The alternative to paying off the loan would be to buy the dumb cloves, unless we're gonna leave the job. It's very unlikely we'll be able to make a profit by using the money with one action a week, and at one action a week the price stabilization might arrive in a reasonable period of time.
As for the combat dojo stuff, I talked to Dev about it in IRC. Surprisingly, it'll (probably) only take four weeks (at one session a week, which is most efficient) to get a +1 to general combat. That is, with or without a weapon, both defensively and offensively, from the wind studio. That's rapid enough to consider, though I don't think combat is actually all that valuable a skill. It's nice to have, but a +1 in a d12 system isn't enough to rely on, especially if failing a roll might lead to death.
Really, we should be focused on building contacts (we already have a bonus to charm, and contacts seem powerful in Sh), and on magic (which is often brokenly powerful and outright unfair, plus prolly especially easy for us). Physical combat is an inevitability, so it has value, but it's also not strong as a focus, so we shouldn't over-invest in it.
...Aside from going to work, go to the dojo once this week. The extra action should be spent on studying the magic book and magic symbols, trying to figure out... anything, really.