If you're going to school, you may be able to borrow more than your actual tuition costs...(stafford) and put that "excess" money to flying especially if you worked all summer or something (which I recommend) I think we had a thread about this before...There are several options out there just keep researching.. it kind of depends on how hold you are... if you are young you may not discount joining the air guard enlisted and going to school (here in FL they pay 100%, and use any other money to fly, work hard in the unit, go to school, and you may be able to get a guard pilot slot ... which according to most on this forum is the best deal going)