Hey 4kBeta,
I don't want to worry you, and I could be wrong, but if your 23 I think it may already be to late for the RAF - I think you have to have completed all your RAF training before your 24th birthday.
Like I say I could be wrong but you might wanna check that with your local AFCO.
If I was you and you're in a good job, I would hord your money like a demented squirrel, or summat
and save enough to do your Commercial training in the states. It'll take away alot of the worry if you know you've got the money saved up, rather than getting a loan.