HSBC Professional Studies Loan seems to be the most likly loan available, or the Government backed, Careers Development Loan (usually limited to £8,000).. .Unfortunately, it is a fact of life, that the banks lend on a credit scoring basis, firstly to decide if they will make you a loan, & secondly to decide what rate of interest to charge.. .The main criteria that they use, is your ability to repay, & what security you can offer.. .Prior to Sept 11, a newly qualified ATPL, would have got a steady job as a first officer with an airline, & thus able to repay.. .Someone aged 18 or 19, is unlikely to be able to give the bank anything by way of security. Usually, if a bank makes a loan to a teenager, the bank would ask for a guarantee from parents, secured by a charge on the parents' house. The parents would only have to pay the bank, if the teenager defaulted on the loan repayments.. .Unsecured loans represent far riskier lending for banks, so they charge a far higher rate of interest, to cover the risks of bad debts.