Hey aviator09 I just spoke to financial aid at the school and she said of the 7000 in grants (2 grants) that 715.00 will go towards 11 credits and the rest could go towards my flight time how ever she couldn't quite yet on the dispersal amounts since they are not dispersed all at the same time, meaning that I do not get the entire 7000 at once. So hopefully i might go with your plan first year private second year ifr, i really don't want to take loans out unless i really have to. And if I have to take out a loan i don't want to pay on it until i'm finished with school.