I've been told explicitly by several people not to finance an early stage startup with debt. I second utnick's suggestion to try to find other ways to make ends meet, until you can land some angel investment (in the form of equity financing). Not only can debt ruin your life if the startup fails, but a lot of debt can look bad on your books if you reach the point of looking for outside investment.

I recently learned about Certified Capital Companies (CAPCOS), which are government backed organizations that look like banks, but their investment turns into equity like an Angel or VC investment. Apparently they are still very conservative in their investments though, and may not have very desirable terms. But at least this is better than taking on a lot of debt. I dont know much about them, but they might be worth looking into if they are available in your state.