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After a lot of researching I've found what seems to me to be the best flight school. They've quoted me for PPL-CFII for just under $46,000.
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Jones,
In a lot of places $46,000.00 is a down payment on a house! And outside of purchasing a home, nothing is worth going into debt over - especially an amount that big. As life moves forward it does not get any less expensive. Car purchase, mortgage, family, and general living expenses. $46K in debt in addition to all of that is going to feel like you are dragging around an anchor.
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I'm 23 and have never had more than $1,000 in my bank account at one time.
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You are very, very young and most certainly have time on your side. Do you think you can manage to save $46K in two years? I think you can, and I think you will be surprised how quickly too. It may require a lot of extra work and some sacrifices, but it will be well worth your effort to do that now and pay cash. Work hard now because you
want to and not later down the road because you
have to.
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.....he could more than likely have some pull for me with his airline during a 2014 expansion.
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You must make three assumptions with this. First, that there will be an expansion in 2014, Second, that your friend's airline will still be in business, and Third, that your friend is still with that airline and/or can effectively help you out.
Take any rumors of "expansion" or "hiring spree" with a grain of salt. Think of it this way: would you go to Las Vegas and bet $46,000.00 on it?
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I'm not here to cause a problem, as I'm still mostly ignorant about the entire situation, I just would appreciate honest opinions about how bad it could possibly affect one's young career by making the decision to fly for "said airlines."
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You're not causing any problems, and most of us are happy to provide you with some helpful advice. If you want my honest opinion, this is what I would do. I would continue to work and set a goal of saving as much money as you can. You may even discover that your desires will change over the course of even a couple of years.