No credit!
One of the few things that myself and the profit of doom WWW agree on is that now is not the time for credit.
Get your self another job (I had three) and work all the hours that god sends, in three years you will have the money for the ATPL and a hoilday.
Take two weeks out on holiday to recover from the work and then get your head down for the ATPL.
It all may seen hard at the time but in the long run you will win, having no bank looking for the interest each month.