'Junior birdmen' - I like that ecj, much better than being referred to as 'low hours guys'. Stand up and take a bow.
The Hustler, I'm thinking along your lines, I'm self funding PPL and hour building and I'm going to go into (hopefully) a full time-ish job that allows a career break after two years of service. So i'm hoping the bank will take the view that if i crash and burn i can at least go back to a job that will allow me to pay back the loan. We'll see.
Anyway, good luck.