There is nothing wrong with financing your flight training if you have a solid financial plan. I know for me personally I chose to use the guard to help subsidize the cost of my monthly loan payment so I am really only spending about 200 out my actual salary per month. Pilot finance is the way to go if you are doing part time training. Very affordable payments and highly easy to work with. I am using Sallie Mae to cover my ATP tuition however I was very careful as to who I chose as my co-signer. If your co-signer isn't comfortable signing their life away it may not be a good idea. One thing about Sallie Mae though; if you and YOUR co-signer don't have extremely good credit your interest rate may be ridiculous.