First off, this is a great sight, with the most information I've seen anywhere on the net. Good job Doug! Ok, I have a few questions, if I'm starting from scratch, zero time, nothing, what would be the average cost to get a private, commercial, multi engine IFR, all the instructor ratings, plus all the extra costs for books, check rides, headsets, etc. I am figuring somewhere around 30,000, is that estimate too low. I allready have the degree, allthough it is in Journalism, not really related to aviation, lol. Also, I don't think I qualify for Sallie Mae, key loans, etc, if I'm not in school, is this right? I live and work in San Diego, and quitting my job and going to a full time academy is out of the question. Do I just go to Bank of America, Citibank, etc and take out a loan, as I would to buy a car, or are there loans specifically for aviation students who aren't in college? Ok, only a few more questions, I'm 28 now, and woud like to have all my ratings done in 2 years, but I can only fly at night and on the weekends because I work 9-5, is 2 years a realistic time frame for what I want to accomplish? Finally, any instructors on here from San Diego want a new student, or any recommendations on where to train. Plus One flyers seems ok, anybody on here a member there?