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Honestly, ignoring the argument among other people, I think it's one of those simple things we forget sometimes which is: we have to look out for ourselves. I think having an honest sit down with your employer (if that's an option) is not a bad idea. Not saying you've applied for other jobs or anything but just saying you love your job but you're having a difficult time with the logistics of doing it on your current salary/benefits.
That said, I don't know how old you are but, when you're young I think the reality is unfortunately many of us don't find great jobs at first, but we build up a lot of experience trying to find it. I think if you're uncomfortable or not happy financially where you are it certainly doesn't hurt to look. And it definitely doesn't hurt to apply/have some meetings. Looking around isn't betrayal. Though I do understand the difficulty in leaving a school before the year's up, you just have to find a way to make that transition as smooth as possible (if it comes to that). If a potential new employer asks you to start right away just say you owe it to your current employer to give them some slack (frankly, a lot of places would appreciate that anyway, it's like a jedi test or something, that question).
But yeah, it's not like you're quitting your job before you've gotten another one, and it's not uncommon to apply for one job while sitting in another, so the talk about being financially irresponsible seems like a moot point.
I'm sure a lot of that was fairly obvious advice but long story short: you gotta follow your gut, and asking/looking/interviewing around certainly couldn't hurt. And in terms of loyalty itself, there are ways to leave without burning any bridges, you said yourself your coworkers ask about if you're looking for other jobs so they certainly understand it's tough financially, and if you go out slowly and with warning (i.e. NOT "SEE YA SUCKERS!") then I don't think there will be bad blood in the end.