I saved money and paid out of pocket. Would you pay $105k for a Chevy pickup just because you didn’t have $50k and they would finance it if you paid $105k (not including interest)?

There’s options out there for financing if it’s a must. Check out American’s cadet academy, Republic’s LIFT flight school (I think it’s about $60k and they finance it) or other similar routes. Not sure where you’re located but there are 3rd party lenders in my area that will finance flight training.