Hey Skylane. .. .One important point to factor into the equation is that if you do an approved integrated (full time) course - you can get your CPL with 150 hours. Doing it modular (part time) is gonna be a minimum 200 hours. Based on these minimum figures that's something like and additional 7.5 k you're gonna be paying just in flight time at the end of the day if you go the modular route. . .. .Fact is when you do it full time and are flying 1 - 3 times a day it all comes together a lot quicker. . .. .Now - if you factor the interest you'd be paying on the loan over say a 5 year period, then the 7.5 k is a large chunk of it, in which time you could be out there hopefully working in the industry and building hours. . .. .If you get the right course you can also do your ATPL's and IR theory at the same time, maybe over a 12 month period. This way you are also in full study mode without the distractions of part time, and saves trying to scrape the bucks and time to study together when you're out there building hours on a pittance.. .. .Another factor is like 429 said - the cost of flying, and thus training just keeps on going up.. .. .Good luck either way.