Before you go jumping into 30k of debt. Consider your employment options after you get your CPL.. .It could be hard living off your flying income and trying to pay back that ever mounting intrest on that loan.. .. .Although it may take you longer, to get that licence, paying as you go. You'll still get the licence without the financial burden of paying back a huge loan at the rip-off rates the back people charge.. .. .Have a look at the "What do I do now" thread and that might give you the incentive to continue paying as you go. That first job can take a while to get. If you have to pay off a loan looking for a job it just adds to the stress.. .. .You'll still achieve your goal although the non loan route may take a little longer, it does take some pressure off you when touring Oz for a job.. .. .Ultimately it's your choice but thats my opinion.. .All the best with it.