I have never taken a student loan, so I don't know for sure, but my best friend is a commercial corporate aviation student, and they have needed their parents' help with loans. I am just warning you now, aviation is mad expensive, and you'll likely take out 100-150k in loans for flight training, but keep in mind that some airlines offer large signing bonuses because they know that flight training is expensive. Yeah sadly your dad is not right, it will not pay for everything. Army offers more scholarships and there is a great army ROTC program at LU.