I think you have to be 17 to get a Class 1, not sure about a Class 2. The instructors at the flying school will be able to tell you what age you have to be to get a PPL. At 16 you can log hours towards it though. You still might have to take out a loan, no matter what route you go down, but it sounds like you are working hard towards getting the funds in place. 99% of people will probably have to take out some loan. Work hard at school. Maths and Physics are important, but if you decide not to do them, learn how to study properly, because that is invaluable.