You'll have to figure out a way to deal with the first year pay. I know it sucks, but remember that you've achieved a great job. Most Captains will treat you out to dinner every day and you'll be fed well when flying (crew meals). Open up a couple of 0% APR 18-month introductory rate credit cards to help you get buy, then pay it off with gobs of money you'll be making second year. Citi Double Cash is what I used and it helped me get buy - all while paying no interest.