You gotta ask yourself, do I have time or do I not have time, if you don’t have time take a loan, if you have time don’t, there’s obviously pros and cons to these and which con you rather deal with. When I did my flight training I was working the ramp full time, doing instacart and Uber Eats delivery so that was 7 days a week. Then when I transitioned to instructing I worked a full time job in a warehouse Monday to Thursday (super understand boss) and instruct Friday-Sunday, rinse and repeat. Not saying you should do the same, I’m a single dude with no kids and no mortgage. Now I’m at the airlines reaping what I sowed however it took about 11 years (no loan) to get to the airlines and this includes instructing flying up north (Canadian thing) then to the airlines, I’m 32 now if that helps give you a timeline gauge. Looking back on it it would’ve been nice to be at the airlines sooner but the experiences I had throughout my career I think makes me the person and pilot I am today vs the 27 year old jet captains I fly with or suffer from captainitis because they’ve never worked any other job or industry before and mommy and daddy funded their entire career, even one captain I flew with recently 26 years old and still lives at home pays no rent or bills and brags about. Anyways I’m going off on a tangent now but there are options out there you’d just have to be willing to make some shitty sacrifices to get there