If you have personal assets, you can probably secure a loan against those, provided they are valuable and liquid enough.
If not, you can still get a loan based on your future earnings; Will you be able to pay off your loan in a reasonable time? If you show up, and show them an employment contract, then that can be proof enough to secure a loan vs the type rating cost.
However, this is all very personal and depends on the bank's policies and your own personal situation/finances. Can it happen? Sure, but it's never a guarantee and you'll need to sit down with a financial advisor and work out the possibilities.
Do realise though, that you, as a 22 year old, have probably little assets. You also have very little future earning potential at the moment, and you're uneducated/only qualified to be a pilot. Banks know this is a competitive industry and are becoming increasingly wary of providing loans to us. You'll need to make a very solid case, like a written agreement or employment contract. Anything speculative will put a big red warning sign next to your application. I would advise you to keep working on the side, earn money, and get rid of your debt ASAP.
Not sure why you're worrying about a TR when you're not even qualified yet (still no easa IR or MCC?).
Last edited by SeventhHeaven; 14th Jul 2016 at 20:15.
Reason: spelling