Save up first, or work part-time + take a loan to fly straight through(Part 61)?
Which option would you choose?
I'm currently living overseas and in the middle of moving back to the US. Planning to train Part 61.I have enough saved to cover my PPL(about $15,000), but not enough to get through CPL. Two paths I'm weighing:
- **Keep working and saving** until I can pay cash for the whole thing, then start training.
- **Start now** — work part-time and fly at the same time, and take out a loan to cover the shortfall so I can train continuously without long gaps.
My concern with option 1 is losing time and watching rates keep climbing while I sit on the sidelines. My concern with option 2 is carrying debt before I have any real earning ability as a pilot, and whether part-time work will actually leave me enough time and energy to fly consistently.
If you were in my position, which would you pick? Especially interested in hearing from people who financed part of their training — did the continuity gain justify the interest, and how did balancing a job with flying actually go?