Thanks for your replies. I appriciate it. I want to stay as focused as possible on not borrowing money to complete my PPL. Atleast that. I know at some point I will have to borrow some money. My situation is, that I will already be borrowing for tuition costs (not exceeding 20K). Another problem is, even if I did borrow the money there is no way I can train more than 3 times a week with school and a job. On the contrary it's wise for me to train 2 times a week, which I probably could afford out of my pocket. I want to get paid to fly. I understand that consistant lessons would be a must if I am out of college, have a full-time job, be in a stable position to borrow 40K. Sure. But I am in college, I got 2+ years left. By that time if I could get done with my instrument, don't you think I would be in a pretty good position?