PAYG Is the only way. Need to look into the future a bit once you have your CPL and looking for the first job will you be able to pay off a loan on min wage working as a pilot. Join a small club and enjoy the journey. Did my CPL over 6 months and cpl over 3 years would do it the same agin. In fact I will be doing over again soon as will be starting my fling wing training soon.
