When I started my flight training, I was not able to get any form of financing. My regular full time job paid the bills, so I took a part time job. All those earnings I put aside. Once I had enough for the private, I went to a small flight school and got my private. Then I saved up for my instrument, and so on. Yes, it took me a bit longer, and in between ratings you should try and go flying to keep your skills sharp. But once you have all your training completed, you won't have to worry about a huge loan payment.