Inevitably your 'cough up point' will be well before you have even seen an aeroplane, which unfortunately means that from that point on you are no longer a customer to be nurtured. If you are stuck on the integrated path may I suggest you try FTE Jerez, always the best but €120000 paid in year #1, if you are looking for a good course without the bells and whistles try flyby school in Burgos, €72000 all in including accommodation which i think can be paid monthly, someone will correct me if I'm wrong. You might try negotiating a different payment schedule with FTE but they are pretty good with their customers anyway. You have no chance of an unsecured loan, mostly this money comes from parents.