@thing - Absolutely, I'll be flying and learning on every day off I have - currently 4 in every 14...
@Martin_123 - The loan wasn't just for the PPL, but it was something I was getting to pay off my car finance (and costs the same as I'm paying monthly at the moment anyway). It is quite a lengthy loan, but I now have a new job which will, on some months, be able to pay me quadruple (at least) what I was earning previously, and other months where it's just double, though I now have a few more expenses.
Last year (in February), I started my first proper job, and calculated that if I saved every single penny, I would be able to get my PPL. Unfortunately, I was unable to save.
I have indeed thought about the consequences, and as with anything anyone does, I may well regret it. However, I believe that IF it turns out to be a mistake, I do have family and friends that will help me pay it off until I get back on my feet, and I am also keeping about £1k of the loan free to use to pay off the loan for a few months if it comes to it, as a kind of contingency plan.
I think it's better to do these things when you're young, as I don't have my own family or house to worry about, so in the grand scheme of things, it is better to make the mistake now than in 10 years when I have dependents etc, though I fully see where you're coming from.
Thank you