someone want to break down quickly what a MMA or a DIY is? And HELOC? I understand its a debt consolidation?...or a way to pay off a mortgage quicker?

On Topic: I've said it before, but substitute teaching is a great way to supplement income. Most places have an online schedule for the month, where you can fill in shifts, and some do a calling service the night before they need a sub. a lot pay around $100-$120 a day. 8-2:30pm, no prep time needed, no manual labor.

In the beginning of your airline career, you can bid weekend trips, and sub during the week.