asmusian: I was hoping that I could just loan the whole massey course because I like the structure that they have .
I don't think you'd be loaning anything to Massey or where ever you end up going.
I guess you could go to a bank and borrow the PPL money or even the whole lot for that matter.
What's to like about their structure? You do realise the licence you get is the same no matter where you go? Some schools turn out a better product and very often for less money than other schools. I'm not sure if your two choices fit in this category.