Second hand information from one of instructors that worked with him: He was asked to NOT fly without a qualified instructor at his current proficiency level. He may have been performing a pitch up/push-over maneuver and hauled back on the cyclic as it nosed over with no collective resulting in mast bump and M-R separation. It also had a bad 1 to 1 approaching 80Kt that needed to be addressed. Maybe dollars in the bank acct exceeded hours in the logbook.