@CaptainDan don't do it with a loan! Trust me a frozen Atpl with plus minus 200hrs is worth nothing these days! As the job market looks today you have to expect to pay for your T/R aswell.. And even this won't guarantee you a job!
Look at me: I had enough money to pay for my FATPL without a loan. I'm 26, had all first time passes and more than 90% on every bloody ATPL exam. Plus I would pay 30-40k for a T/R in an eyeblink if I would get offered a plus 2 year contract! And guess what, after more than 150 cvs and applications sent I didn't even get a single interview....
