[skidz]

I would never take a loan in my life if I didn't have to. Unfortunatelly, it is very hard to do something like this without taking a loan. For my private I went through half a course and then I took a loan to finish it. It's been long gone and paid for, you got to know yourself, if you have discipline to slow down for a while after you get your goal and pay it off there's nothing wrong with that. I'm getting another loan now because otherwise I'd never get into the training. In my opinion it's better to go fly as often as you can and knock it out in some reasonable time even if that means taking a loan rather than stretch it forever without end in site while trying to pay off as you go. Well, sometimes you just have to suck it up and do it and worry about it later. It is a good idea to avoid loans and credit cards at any costs, but you have to know yourself. I have never been late on any loan in my life and I have had probably half a dozen of them.