This is a pointless thread. The truth is that there simply isn't many people in their 20's doing this anymore. It is time and cost prohibitive to them. Loans are not easy to come by anymore, like when I was given $100,000, no job or co-signer 10 years ago. For many, the ROI simply looks like it takes too long. When I was a CFI, it was quite a novelty to have a homegrown student...I had 2 in 6 years of teaching almost 80 students. Only 1 of the 2 was interested in the airlines. Not good...