Scroggs, and WWW, you are right, and I thank you for your advice...but it is in sheer desperation that I am writing all that I do, and, I can assure you that I am not clinically depressed.
I still give 100% to my students, they haven't done anything to deserve any less, and I have had instructors from both sides of the coin, and I know which one I would like to teach me.
But, I have come to my end of being able to sustain myself with full time flying instruction, and for that I am most sad....
Would bankruptcy affect my chances of an airline job?
WB