Rachel,

"then my flight training at a small flight training program at the small airport near home. I believe the appx. total cost for the training was 25k for PP, Inst, ME and comercial"

My local university flight training program quoted me at 60 to 85K to get through the Commercial Multi-engine instrument. Prices have gone up considerably in the last ten years.

It is a massive investment for the hope of a crummy return.

Skyhigh