Have you considered getting a decent paying civilian police job when you get out (your MP training and experience should make you an attractive candidate for a civilian police job), and then just adding your ratings at a slower pace, sort of "pay-as-you-go" .....without taking out a big loan? i think the aviation industry is still at least a couple of years away from anything resembling a big increase in hiring, so a slower approach - without getting any big loan(s) - might actually work out as far as the "timing" goes, especially if you got a decent paying job in the civilian sector after you got out of the military. And there are a lot of big city (read: decent paying) PD's that are hiring right now.