They were quite happy to give me 20 grand straight out of a-levels and no back up career. I just gave them all the green shoots and retirement bulges stuff presented nicely and they had no problem with that.
I think the minimum re payments on 20 grand are about £250 over 11 years - so as ong as i'm living at home with a half reasonable job (just doing instructors rating now) and not doing a lot else - i should be able to give them there money back!
From their point of view - so long as you make the re payments - they should get about 8 grand in interest and you then have a current account with them which you would have to use for a long time!