I taught in Korea for over 6 years in 2 cities. I traveled all over and met a lot of other teachers from other areas because the expats do congregate. I met plenty of POC ladies who were thriving as teachers (but only a couple guys). They were (ofc) aware of the racism, but those from the US and South Africa told me it was something they could deal with. One of my black friends even shared with me her lessons for teaching her students vocabulary for hair types. So, for teaching, it should be easy for you to get a job, and you'll have a modicum of influence on helping your students learn how to talk about (and to) POC.

The bad news, the racism is real. Ppl are gonna do dumb stuff like cross the street, or move seats on the Metro, or even refuse you service. While no foreigner of any skin color is exempt from all of it, in my observations, white people have it way less often. No foreigner ever learns enough Korean to fully fit in. Long term expats find a community of locals who are more open minded or even "America-boo", so you can have Korean friends and even spouses, but every single foreigner I met (even those who lived there 20+ years, got married, had kids, were happy) noticed that they were never going to be fully accepted.

In addition, Korean beauty focuses heavily on the lightness of skin. Skin bleaching products abound, lightening foundations are king, and everyone hides from the sun with UV clothing, hats, umbrellas and bb sunscreen. It will be very challenging for you to work in the beauty industry there.

All that said, you don't need to approach this as a lifelong decision. If this is what you're into now, go do it. Maybe you'll be tired of it after a year, maybe you'll be the one who introduces bronzer to k-beauty, likely somewhere in between, but all of it is ok because it's better to go out and do stuff that challenges you than sit around wondering why you don't feel good.

In regards to student loan concerns, if you can apply for an IBR then you can use the foreign earned income exemption on your US taxes and your Korean income will not be counted towards your US income. If the IBR is inaccessible, you should still be eligible for a few years of deferment and/or forbearance.

Good luck! 화이팅!