SkyWolf
Skywolf,
I think you are missing a few things in regards to your flight training. It seems like you are only using quotes for the cost for the pvt, inst and commercial.
In a part 61 school a pilot needs 250 hours to become eligible for the commercial license and 190 at a 141 school. In addition you can count on it taking longer than the stated minimum hours to complete each part.
In addition most go on to get a CFI, instrument instructor and multi-engine ratings.
In summary the costs to become a fully trained and marketable pilot at even the lowest level is significantly higher than what you have stated.
At my home town airport they quote 80K.
Skyhigh