I'm getting ready to fill out my application for FSI. I have a single engine private certificate with 72 hours logged. When I select the programs I want to enroll in, do I just select Phase I,II,III,&IV or do I have to select the instrument and commercial ratings along with the 4 phases? Also, if you don't take out a student loan, do they want you to pay up front or is it in installments? Thanks for your help, fly safe!!