Pay as you go is the way.
It it took me a little over 3 years to get all my ratings besides CFI, it could have been done faster, but I wasn’t sure if I wanted to pursue my cPL after Private. After about a year with my private, I got serious and starting training at least twice a month.
I have 0 debt related to flying and I’m glad because the market just crashed and I still have my regular job. By the time I get 1500hrs, the market should be better.
it’s going to be Hard work.