Some questions:
How will you make money in the future to pay back the loan?
Why aren’t you doing that now, even on a part-time basis?
Is there one academic physicist who will endorse your specific research agenda as worthwhile?
Likewise for an academic philosopher?
Likewise for anyone other than yourself?
Why won’t physicists doing ordinary physics (who are more numerous, have higher ability, and have better track record of productivity) solve your problems in the course of making better predictive models?
How would this particular piece of work help with your larger interests? Would it cause physicists to work on this topic? Provide a basis for assessing your productivity or lack thereof?
Why not spend some time programming or tutoring math? If you work at Google for a year you can then live off the proceeds for several years in Bali or the like. A moderate amount of tutoring work could pay the rent.
The CEV idea there would be to create an AI which is optimizing for expected satisfaction of the utility function that would be output by such a process. If the AI’s other functionality is good, it will start with reasonable guesses about what such a process would output, and rapidly improve those guesses. As it further improved, gathered more data, etc, it would better and better approximate that output.