Good lord, you in debt for 175K? I don't know what I could tell you. Right now its as bad a pilot job market as I have ever seen and I been around since the mid 1970's, Wiggins Airways is looking for a Beech 99 Capt. For a Maine Base. 33K to start, but you are short a good 1000 hours for them. I know guys that are in debt for 80 to 90 k and were flying for some regional or another making 19 k a year. No money now and it was no money 30 years ago too. But guys stand in line for it. You sure got your self into a financial mess if that amount is all loans. heck you would be in dire straights if you are on the hook for a third of that.