Hmm, so let's imagine a hypothetical person with 50 hours TT who only got their PPL November 2002. That "imaginary" person would probably have to do some pretty good writing/talking to even be in with a chance and borrow enough money to get 80 hours under their belt pretty quick, right?
But there's still got to be a chance!
(If you're borrowing 15-20 grand off a bank in the first place, you might as well make it 20-25!)
Course, this has nothing to do with me.....