Assuming no assets/responsibilities, the 'borrow/go bankrupt' could be a (slight tongue-in-cheek) logical choice PROVIDING you have stowed away enough hidden cash to keep current for a while. The whole system is faulty-was a time when hard work/determination could produce a commercial licence. Think the total I spent on PPL-ATPL/IR was around £18,000 over a few years. The current system for >£70,000 just lines the pockets of 'training' organisations. All very sad.