Not sure I'd hire you. Taking out a loan you can't pay back speaks volumes about your character whether you like it or not. A job at McDonalds, Burger King, Taco Bell, or whatever on the side would have more than covered the extra 200 bucks. Man up, pay your loan back, and demonstrate you're worthy of job.

Only took a few posts before someone claimed I traded sexual favors for cash. Classy. As for ATA, I can assure you my loan was NOT forgiven. The first couple classes (they had 2 a month) were forgiven. I sure as heck was not, I was almost done with my Pvt. My parents had cosigned my loan, so Bankruptcy was not an option. I promise you I paid off the bad loan to Key, but our little group (Red Trainers) was a big part of revamping the way flight schools are financed. I was an idiot to put the money down upfront; but that's the school of hard knocks, eh?

RadialGal

Anyone saying that "not paying back a loan speaks volumes about your charecter" is very blind in today's world. Especially when we are talking about regional pilots. No $h1t, we know what we are signing... That "extra job at Burger King?" Oh like the extra job the FO was working prior to the 3407 Bufalo crash... Yeah, the same one that sparked the fight for the 1500 hour rule. How can you judge someone's charecter based off of this when you do not even know them? If anything, someone that works their a$$ off flying and fighting to pay back a student loan, while making only $24k a year (and knowing they could make more at a local job) is definitely worth taking a look at. It shows your commitment and passion for flying. Either way you look at it, your credit report does not determine your charecter, but rather the way you judge people you don't even know.

So you took out a loan you knew you weren't going to be able to pay off? Or you just aren't responsible enough to pay your loan off? Either way it is a reflection of your character. There are lots of ways to get your ratings without going insolvent, if one isn't creative enough to figure it out then they probably shouldn't be flying airliners around. I'm sure many of the HR departments of the major airlines feel the same way, go read the old gouges on the Delta interviews, they were hammering candidates on how they paid for their ratings. The real airlines want responsible members of society serving their customers, not deadbeats.

Life Happens? Oh, you mean like getting diagnosed with brain cancer, being unable to work, and declaring bankruptcy to keep a roof over your head? Yeah, that's a legitimate reason to default.

P!$$ poor planning isn't.

Amen JSH.

Folks were livin' high on the hog when I was at ATA. They took out 100K, rented sweet apartments, hit up the bars and clubs. Seems folks my age don't want to do without. I was essentially homeless after ATA folded, I also wasn't terribly smart money wise (stupid ='s putting all my money down at the beginning of training), but I learned quick! I lived in friend's Hangars, slept on a cot, had a camp stove and 2 totes with all my belongings. I worked 2 jobs, saved every penny, drove a Geo and lived about as frugally as you can. I wasn't unhappy, I had a blast those years. I just can not understand the fiscal irresponsibility of folks now a days. I wasn't taught how to be frugal or smart when I was younger, but I educated myself ASAP when I hit the real world.

we have every right to judge.....because guess who gets stuck with your unpaid loan in some way or another in the long run? WE DO!!!

No you don't. Sounds like a bunch of self righteous nonsense to me.

Never said I took out a loan I knew I couldn't pay for. But thanks for putting words in my mouth... Great character on your part. I had every intention on paying it off. I paid $666 a month for 2 years straight. Things happened in my life to where if I didn't use the money for other things than I would have been homeless. So, yeah I am responsible. Would you want a homeless pilot flying you around? I reallocated my funds to keep my head above water. I'm not going to read the OLD gouges on Delta, because they are just that... Old. Times have changed, get out from under your rock. Like I said before, in most states, it is illegal to pull credit reports for jobs.

Explain to me how you will be stuck paying my loan.