Lure of the better pay...hrm...have you looked at how much they pay CFI's? And have you figured out that CFI's get paid better than most regional airline first officers ranging from year 1 to year 3?
I don't know how much you're making but you might want to do a little more research as to how much pilots get paid and how much they work, etc. You can hit up
www.airlinepilotcentral.com for their detailed airline descriptions and their pay scales. Do the math before you move anywhere.
KHPN isn't that horrible. There's just a lot of jet traffic there and if you can fly out of there, you can fly out of anywhere in this country. It's a nice airport, well kept and centrally located to some interesting airports that you're going to enjoy flying to. The industry is hurting for CFIs right now and you can pretty much get a flight instructor job anywhere for the most part.
Since you mentioned debt, I hope you know that flight training isn't cheap. And if you fall for the wrong program like I did, you'll get no results except a HUGE debt to pay off at the end. Do your homework. If you don't have to get there right this moment, I'd advise against going to those pilot factories. They are expensive and your mileage may vary. Good luck!