That amount of money will get U something in USA. Remember you've got to have at least: CPL, Multi rating, Instrument Rating and ATPL (Subjects). Thats the minimum and in UK or Ireland it would probably cost you a lot more than 20K.
Anyway don't let that stop U, there's always a way around things. Good Luck!
[This message has been edited by NZ445 (edited 01 January 2000).]