I kind of agree with some of the responses but then they're a bit harsh.. if you can find family that can help you with that 90k, do it. It's a great opportunity, BUT it's not the only way into a cockpit. Modular is cheaper and gradual, and you won't have nearly as much debt.
If you have a good credit rating, banks will lend you up to around 30k unsecured with a decent interest rate, but you'll need to find someone to pay the loan off for you until you're a salaried First Officer. If you can avoid getting into debt, i.e. go modular, do that. I will.