Originally Posted by RV5M

Maybe I'm missing something, but:

$90 * 150 = $13,500
$135 * 100 = $13,500
$250 * 20 = $5,000 (multi add-on)
$45 * 100 = $4,500 (instructor)

Total: $36,500

Instructor ratings can be had for less than $10k, and if you're goal is to be a career pilot, hold off on the degree until the time is right. I hate when that $100k number is quoted in articles etc., and why does ALL of it have to be debt. Are pilots really that financially incompetent?