Yes, the loan. Take out a $175k loan for the works, and get all your certs in a pro pilot program in about 6 months. Really enjoy the flying, all new G1000 Seminoles, Barons, and aerobats. Try and find a girlfriend during this time and take lots of pictures whatever you do. When all that cash is tapped out, try and get all your certs beforehand, at least a wet commercial, and get a pro flying job that pays about $13.5k per year. Then hire a lawyer to declare bankruptcy for you (save a few grand for that). Then start over in some field like accounting or physician's assistant. You'll have had the best of everything, and a great story to tell.

Seriously though, flight training loans are almost never an advisable option.