So does this mean you'll owe 80K instead of 160K when you're done? Screw ER. If you got a scholarship there, you can probably get one at a cheaper state school. Avoid the aviation basket-weaving degree. Earn your ratings pt61 as time permits. Much cheaper in the long run. NO ONE CARES where you get your ratings. Instruct, maybe fly 135 on the side, and network. You're young! Party and get laid, too!

What about the military? Be willing to serve, and possibly die, for your country. Is it too late to apply for ROTC/OCS/Academies? Then you'll owe nothing and have built in networking. Oh yeah, did I say be willing to serve, and possibly die, for your country?

Oh to be young again with so many options! Good Luck!