Roll inverted said it best and I'll re-iterate it. Taking loans and other financial help to succeed in life is not irresponsible - it's actually something that companies look at in a positive light. That shows them you want to better yourself and move up in life. NOT PAYING for those loans down the road is an entire different story.

And remember, you choose to make the 20 $ an hour flying an RJ/flight instructing. I'm not saying anything is wrong with that but realize no one forced you to earn those wages. There are other ways at building flight time and earning quite a bit more than that or focusing on other professions altogether that have higher starting salaries in the professional world.