SAAB:

I don't think that an applicant will have a problem faced with the many financial hurdles that many of us experienced during our CFI/Regional etc time of sacrifice. Someone who blatantly refuses to repay debt without justification is another question. In putting myself through college, G.I. Bill was $300/ month then, and 2.5 years of flight-instructing made it hard and took it's toll on my credit rating. After securing a job and 2 major airline jobs in the past ten years has alleviated that problem. I'm in the position of interviewing ANG pilot candidates now and that reinforces that whole BS assessment. The guys with stellar credit, no work history and DUI's that Daddy took care of look the best at time of interview, but give it 3-5 years and the cream rises to the top. The guys with the connections and privileges are pretty much worthless or absent by the end of their commitments.....if they last that long. I can think of one example that we all know, but that's another debate. In short, make the effort to handle your responsibilities and you, or any other applicant, shouldn't have a problem. I'm first-generation college out of Newark, so it can be done. Although you'll spend the rest of your career with a lot of spoiled, selfish, anti-labor, "Daddy's little co-pilot types". God bless them.