Agree with rudestuff. I'm currently working away saving up over £1000 a month for 2 years, 9 months to go then I'm out. Still looking at a £20k loan to get to end of fATPL, worth it because I'll be 31 by then and can't have this standard of life going on forever, funded my PPL, Hour Building and Atpl from it. CPL,IR,MCC from a loan and my paltry earnings whilst being back at home.