All you can really get with an MFA is adjunct teaching work, which will help pay the bills until your book comes out, assuming it eventually does.
Or just go into the Phd or just do the MFA and publish, publish, publish? Creative writing, postgraduate research areas, study here, the university of aberdeenFrequently asked questions regarding the phd in creative writing.
I have several friends with creative writing PhDs who have not published, and have administrative jobs at universities, or adjunct, or do something else entirely.
While an indication of writing and publishing experience is essential, such publication by itself does not guarantee either admission to the doctoral program or approval of a creative dissertation project.
The only schools worth going to for creative writing are those that will remit your tuition and give you a job, usually a teaching job, with a stipend to live off of.
Such a dissertation may take the form of a work of poetry, fiction, drama or translation—although these traditional classifications can be exceeded by work that straddles or breaks down genres and introduces new procedures and new media.
This doesn't really answer your question about which to do in order to be more employable as a creative writing instructor, but my guess would be any type of postgraduate degree in creative writing plus a lot of publication credits is your bet.
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Fiction projects are normally about one hundred and fifty pages. You'll be able to find adjunct work for as long as you are willing to teach 14 classes a year for K a year. If you have specific questions about the program, feel free to e-mail me directly at the address in my profile.
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There are thousands of MFA writers and poets being turned out every year who do not get jobs.