Dude is right. Just do what intuition tells you to do. I was an inch from getting a 737 classic type rating in lone eagle aviation (only $6k!), but eventually run out of money. To me it all boils down to money. If you can afford it AND afford still not having a job for whatever it takes (worst-case scenario) - do it. If to pay it back you'd have to find a job by let's say October 1st - don't. Easy as that! Little encouragement - my friend Michal from Poland finished the school I finished (Prairie Air School in Wichita, KS) just a year ago and is currently flying for Vietnam Airlines reason being A320 self-sponsored TR! He really had only 200+ hours! The only way to find out if you were right is to look back on it in 5 years from now. Although keep in mind type ratings are valid only for a year and then you do recurrent training. which also costs. Gather as much information as you can so you don't get disappointed somewhere.