[Merlin]

Have you actually called ATP and talked to Diane to see if you do or dont qualify for a loan? Just because you looked on Key Bank web site, doesnt mean Diane can't help. CALL HER.

If she says no, then you are stuck with the pay as you go FBO, and, given that you seem like a relatively young guy, isnt the worst deal around.

But you wont know for sure if you dont call her and given your recent posts, it doesnt seem like you've exhausted this option.

Credit is credit. For example, if you can't get a credit card, you probably wont get a KEY loan. But you dont have to have collateral to get that loan. Get a cosigner such as your parents, who also doent have to be rich. They simply have to have decent credit.

To take a quick issue with your idea that only the "rich" get loans... Im not rich, nor are MOST of the people who I went through the program with as a student or as an ATP instructor and whining about others getting loans while you cant isnt very productive.

Good luck
Jeremy