Im sure you have thought about this, but taking a massive loan out like that really does tie you down, if in a couple of years you decide to go to uni, or perhaps decide that flying is not your thing, you have a lot of money to repay!
Im 20, took out a £cough£ loan, to pay for my PPLH, hour building and ATPL ground....im loving the flying, wouldnt change it for the world, but the thought has crossed my mind that I would like to go traveling for a year now with some of my friends before they go off to uni/jobs, but I cant...I MUST continue working to afford the repayments..
Oh, and at 20 with a fairly good credit rating, the biggest loan I could get was 6k.....I had to use my parents house as collateral to get the size of loan I required...
I will be nearly 30 by the time its all paid off......Ask me if I think it was worth it then!