I started when I was 18, used my full time job to fund my PPL and hour building, stock piled some cash then done my ATPL's CPL and IR. It took me 4 years to get my IR with only a career developement loan (8k). The banks then financed my RYR TR. Not everyone takes out massive loans and completes the training in 16 months. Get a job and take your time. 4 years is the same time period as a respected university course.