What does most efficient mean? Plenty of companies are out there trying to convince you that you HAVE to get your certificates and ratings REAL FAST, because if you DON'T, you'll miss the "BIG PILOT SHORTAGE OF 2015". It's BS. It's always been and it always will be. Most of us that have been there and done that will tell you to pay your way through, even if it takes a few more years. The benefits from this are absolutely worth it and it will allow you to do more things that and go further faster when you actually do finish the training and start to take jobs. Can not emphasize enough, don't put yourself in debt to do this or go to college.