Jonathan,
With a bit of thought you can bring down the amount of money you need to borrow dramatically!
For example, presently i'm working full time, have my PPL and 80hrs TT and currently doing my IMC rating. I'm using my monthly wages to pay me upto 150hours TT and save enough cash to complete my ATPLs and will try and do this too for my CPL! so when the times comes i only really need a loan for my IR and MCC! which lets say 15k max! or 20k with FI rating!
Do a few extra months saving and you further reduce the amount of money you need to borrow! my game plan is to try and reduce any financial burden upon training completion!
wbryce.co.uk