Hi Ali,
I believe this to be a personal choice and it totally depends upon your personal circumstances.
I am a few years older than you but i remember when i was 22, i had just graduated from university with absolutly no money. Like you i was thinking about a loan but personally i could not stand the thought of being in debt so i decided the best approach for me was to work for 5-6 years.
I have just done that and i have saved enough money for the course at stapleford and a type rating. Handing in my notice to my current empoyer was the best thing i have ever done and it felt great.
I personally believe there is no rush to get into aviation especially if it potentially will put you into the red. Go and work, get some life experience and you will be better off for it.
+Rock on
+PHS
P.s, have you looked into CTC or one of the OAT/FTE schemes? ...
