You could also look in to Monticello Student Loans.
www.monticellostudentloans.com. Another school I am associated with said they were better than Sallie Mae.
the 12% interest rate seems to be the same for going to a 4 year college or flight training. Ask yourself this, unless you are an engineering major or doctor, which has the highest earning potential, flying or a fuzzy study degree from "State"? All my previous flight instructors are flying for Rejionals and after 5-8 years from finishing their education have a good chance of making $70-$100K a year. All in all, flying is probably a better deal and you can go back and get your degree on line if you think you want one. Something to think about.
Several of my students are military guys who are getting out and learning to fly rather than going to college.
Carl