I was able to get an interest free loan from parents many moons ago
life is full of people who weren't born with a silver spoon in their mouth and might/would do a lot better than some who were lucky to have a rich daddy.
Wow, way to make things personal. How's that chip on your shoulder going? I still don't see why you think CPL level pilot training should be subsidised by the government. Systems like the one in NZ and the one I'm advocating sure have their problems but at least it levels the playing field. If the option had been availalbe to me I'd have taken it in a shot.