jesse
Touchdown! Greaser!
I'm considering getting a loan so I can finish my commercial and CFI in the next month or two. I've done the cash thing and got the private and instrument in just over a year. I don't know how much it cost, but I do know that the interest on the loan would be less than the extra cost of the ratings if I drag them out another year
FWIW - my commercial/ CFI/CFII combined were about $5k I think . That said I had all the aeronautical experience requirements in the bag already. I generated that much in income within the first year, and I hardly charge as much as I could plus that was part time.