No loans, at least as primary financing. BTW;Future salary is a major factor, whether you care about it or not! Everytime a pilot gives away or sells their skills short it brings down the wages for the rest of us; you are not operating in a vacumn... Additionally, many aspiring pilots have no real idea what they are getting into; you might want to do some serious reasearch on that for starters. If you just like being up in the air you could tether a balloon in your yard.