I recently spoke to a Channex skipper after my flight who recommended that I do whatever it takes to get that licence and get a job. He was very direct with me which I massively appreciated. He basically said its all fun and games mostly right now but when the market takes a downturn and you can't get a job you'll be wishing you took that small bank loan to cover the rest of your training. Can't say I disagree, he seemed like a very wise man with plenty of experience under his belt. I believe he was a training captain so he knew a lot about the types of guys coming through the door.