I think the above contributions have said it all ... but aviation still takes the biscuit. I was lucky: in days of yore, I paid for a PPL, got an instructor rating, got others to buy me over 1000 hours. Then got my CPL and ATPL for the cost of the non approved training - about £4000 back in 1980.
Before I lost my last job, I remember flying with a first officer who had loans in the region of £80,000 and was trying to pay it back on a salary of £17000 p.a. I quote:" I can just about manage the interest, but the bank are soon going to want me to start paying off the capital as well."
She wasn't doing much flying at the time ...I wonder if she still has her job?