Do you have any student debt from your undergraduate? Have you tried applying for a loan for schools like ATP? If you have good credit, you may be able to qualify for financing on your own. I know i qualified for the financing for LIFT (didnt go there). Do you have family members that are able to co-sign and are not willing? It may take a sincere conversation with them to convince them. Personally, it took me sitting down with my family member for 2 hours and hammering home that this was my passion, didnt want to do anything else and they were the only way i would get there. You could also find a cheaper school and pay as you go ... In my area, theres a mom and pop school that will get you PPL-CFI for around 43K. While it may be slower, you will still get there in the end. Not like theres any reason to rush into the industry at the moment.