I've got no idea what your situation is. And I've got no idea what instruction runs in SoCal. If it's 200 an hour that means you've got 400 spare a month. All the bank will give you, if you have decent credit, is a signature loan. There's nothing for the bank to repossess if you don't pay. For $12,000 over 4 years, you'll pay about 300 a month. Which means when you're done in six months, you'll be able to fly about six hours a year (figuring the plane at 125/hour) for the next 3 and a half years.

And that's if nothing else happens. You say you you don't want to wait to do this and you don't want to give up your dream. I'd say in your present state, your finances are "unacceptable."