[Goldmember]

Exactly...keep working and fly on the side. 2 hours a day, 5 days a week, 250 needed for commercial stuff, you're looking at 6 months of ass busting but you'll have your ratings and keep your costs down. Or, people here in lousiville like to do 4 hours on Saturday and 4 on Sunday. Keep in mind opportunity costs as well. Flying in the northeast during the winter will be awful tough with weather considerations so you may be sitting on your butt not flying or working (if you've quit your job) which in turn is costing you money. Take a months salary of $3000; If you train say 20 hours a month and have quit working, you're out the $3000 to pay for training AND the $3000 you would have made at your job, so you are in essence out $6000...Food for thought, I'm 26 and have 156 hours working on my commercial. I spent the last two years working 6 month stretches in Egypt tax free to save up for flight training and I'm much happier doing it this way than financing because not only will I have my ratings without a mountain of debt, but I can still take a girl out once in a while.