Student Loan Help
#11
On Reserve
Joined APC: Feb 2013
Posts: 12
I am a newcomer to this forum and in fact, I have not even started this "new career" yet, but I am doing my research so as not to enter this venture blindly (if I ever do) .
However, I am posting because I am confused. You complain that the flight school mislead you, but aren't all places like that? You don't recruit pilots by telling them how much they will earn on the first few years, if they even manage to land a job in the first place. You don't recruit pilots by showing them the paperwork they have to fill out. You don't recruit pilots by telling them of the near-death experiences of other pilots due to weather, maintenance, or other issues. It will be like advertising a flight school during a commercial break from a crash investigation program.
And then you say that you left the school "not fully trained and able to earn a living," and lack 100 hours flight time, yet you say you have been in aviation for 10 years. How did you get to earn $64/hour if you are not fully trained? How is $64/hour "not earning a living"? Did the school close it's doors on you? Or is the course supposed to run for more than 10 years?
I do not mean to be rude or to look down on you and I am genuinely confused with your post so I hope you can help me by clearing up those points. I am hoping to enter this field soon but I want to know the "lessons from others" so that I know what pitfalls to avoid.
However, I am posting because I am confused. You complain that the flight school mislead you, but aren't all places like that? You don't recruit pilots by telling them how much they will earn on the first few years, if they even manage to land a job in the first place. You don't recruit pilots by showing them the paperwork they have to fill out. You don't recruit pilots by telling them of the near-death experiences of other pilots due to weather, maintenance, or other issues. It will be like advertising a flight school during a commercial break from a crash investigation program.
And then you say that you left the school "not fully trained and able to earn a living," and lack 100 hours flight time, yet you say you have been in aviation for 10 years. How did you get to earn $64/hour if you are not fully trained? How is $64/hour "not earning a living"? Did the school close it's doors on you? Or is the course supposed to run for more than 10 years?
I do not mean to be rude or to look down on you and I am genuinely confused with your post so I hope you can help me by clearing up those points. I am hoping to enter this field soon but I want to know the "lessons from others" so that I know what pitfalls to avoid.
#14
Disinterested Third Party
Joined APC: Jun 2012
Posts: 6,250
I know of many pilots who have paid well over 250k for "basic pilot" certificates.
How is it you've fallen in with such misguided and foolish company?
I did not describe any course which I was "jumped to the head of the line" I simply had an opportunity (not a pay to get the the head of the line program as you seem to have suggested) to go and fly for a 121 carrier and not pay an additional 30k to get my cfi and cfii. What would you have done?
Yes, you thought you'd skip to the head of the line, bypass gaining elementary experience (including pilot in command experience) and run before you could walk. Now you don't have the qualifications to open the door, and you're crying in your beer. Guess what? Time to go back, flight instruct, and earn your stripes instead of trying to buy your way to the front of the pack. The rest of us earned our way. Why not you?
What would I have done? Exactly what I did do, which is not at all what you did. I went to work spraying fields, later doing flight instruction, towing gliders, flying skydivers, giving flight instruction, towing banners, doing aerial photography, performing grand canyon tours, flying air ambulance, doing back country passenger and cargo work, flying freight, and a host of other duties.
When I did instruction, I jumped into it with both feet, taking apart an airplane and reassembling it in a mall as part of a display to garner students, towing an airplane through the longest parade in the country to advertise the services of the school FBO/school where I worked, etc. I'd been flying commercially, primarily in ag and other duties, for a number of years before getting to that point, and at no time did I ever try to get out of gaining valuable experience in order to cut to the head of the pack.
Obviously these are things you didn't do, and now you have no experience, no flight time, and are blaming the world for your own decisions. Own them. Nobody else will.
Nobody else will pay for them, either.
Thirty grand for a flight instructor certificate? Really? In what? A Learjet?
I need an additional 100 plus hours of PIC time to qualify for my ATP before anybody will touch me. Your solution is to instruct but I do not have a CFI and the other solution is to go and fly freight which I cant because I have below 1500 hours although I have great experience.
You don't need an ATP before anybody will touch you. You don't need an ATP to have an aviation career, period. Perhaps you're so short sighted that all you can see is an airline seat, and if so, that's a sad thing. My solution is nothing. I don't have a solution for you. Your problem at this stage isn't your loan, and it isn't your experience. It's your attitude. If you're foolish enough to think that gaining a CFI will cost thirty grand, and if your focus is so narrow that all you see before you are airlines, then you've got a problem. If you keep blaming that problem on everyone else, you've got an even bigger problem, don't you?
You do.
By no means am I entitled. I want to pay what I feel is fair but I feel that being sold a bill of goods that you could pay off your student loans at a clip of $800 plus a month is not reasonable and furthermore I left the school not fully trained and able to earn a living thus my lack of PIC time.
You were sold a "bill of goods?" You were given flight training. Apparently not to your satisfaction, but if you paid a hundred thirty grand for flight training and know others who paid a quarter of a million, you're one of the suckers born every minute, and come very close to deserving to be bilked out of whatever could be gained from you. Who pays that kind of money for a basic pilot certification? Fifty grand should have got you there easily. Seventy five would have got you there in style. For one thirty you could have done all your ratings in helicopters and fixed wing, and you'd have really been marketable...and you could have completed a mechanic certificate (A&P) at the same time and really come out ahead. What on earth were you thinking, and where did you go that you paid such a ridiculous sum of money?
Did you do no research before signing on the dotted line? Didn't you check it out, or were you so anxioius to run to the head of the line that you simply signed for the money and took the training? You didn't seem to have any problem with this when you took the training, did you? Who's to blame for your ignorance in the matter? The person who gave you the loan, or you, the person who signed for it and must repay it? You can blame the other guy all you want, but he's not the one who will end up repaying the loan. Just you. All you.
The person responsible is the person repaying the loan. You. No need to look elsewhere for blame. Own it all. It's yours.
I am well aware that you have to pay your dues in this business. I have been in for 10 years pre flighting 19 seat planes at 4 am in minues 10 degree weather to flying heads of state to forigen countries. Aviation is not what it used to be and if you call it throwing in the towel so be it. I call it waking up and realizing that after 10 years its going to be 20 more years of the same ol same ol.
You preflighted an airplane in ten degree weather, and it had a whopping 19 seats? That must have been exhausting. And at four in the morning, too? You should write a book.
Heads of state? Were they heavier than other people, and did they make the flight much more difficult? Was it a death-defying, adventurous experience for which you'll get the congressional medal of honor? Or was it really just a flight in which you were a copilot, unable to upgrade because you don't have enough flight experience to have a basic pilot certification.
I gave a flight review to a gentleman a few days ago who flies about a thousand to twelve hundred hours a year; when he's busy in the winter he averages around 40 to 80 landings a day. At the moment, he's worth about five hundred dollars a flight hour for one of his work assignments (same as me). I don't hear him complaining, and yes, he works in the freezing cold, the blazing heat, and makes anything you've done in your short lived "career" look like a luxury vacation. He's happier than a pig in stink, can fly the wings of a box of oatmeal, and lives and breathes aviation. But you've preflighted at four in the morning on a cold day, so you've certainly been there and done that, and all the world is to blame for your troubles. Got it.
Less than a hundred fifty hours of pilot in command experience in ten years and you're giving it up, can't take it any more, goodbye cruel world, taa-taa mankind. You've really taken a step back and thought this through? Stop making excuses. They're like rectums; everyone has one, and if you haven't heard it already, a wise man once said that justification is the narcotic of the soul. Presently you're running right at addict level. Cut it out.
I was furloughed from a job whree I was paid $64 an hour and now if I chose to go and get my PIC time id have to start over at a regional making $25 - 28 an hour starting out and putting myself further in debt and chances are getting divorced and paying alimony.
There is an empty right seat in a 767 that I have left vacant. Maybe you can have mine?
#15
Not much sympathy here either.
$130K is a lot of change for flight training...I sure as hell hope you got a degree too, and even then it's too much unless it's a Brand Name school and a good degree.
Two issues here...
1) Your aviation career never got started if you got <1500 hours in ten years.
2) BK is probably not going to work for student loans. That's between you, the bank, and the government...the school normally has nothing to do with it. If the government let broke graduates default on student loans, all the lazy unethical turds would BK the day they graduated and of course no bank would ever issue another student loan.
You might have a faint, remote chance of legal action against the school if you can a) somehow prove fraud and, b) the statute of limitations has not run out. Need a lawyer for that of course, and he's probably not going to take this one on contingency...
You're right about one thing...plenty of other folks have student debt. It's just harder to pay off in aviation. I'd probably go get a real job, whatever pays best, live cheap and pay off your debt. You can probably take care of that in five years of ramen. Then decide what to do with the rest of your life...who knows, maybe even aviation.
$130K is a lot of change for flight training...I sure as hell hope you got a degree too, and even then it's too much unless it's a Brand Name school and a good degree.
Two issues here...
1) Your aviation career never got started if you got <1500 hours in ten years.
2) BK is probably not going to work for student loans. That's between you, the bank, and the government...the school normally has nothing to do with it. If the government let broke graduates default on student loans, all the lazy unethical turds would BK the day they graduated and of course no bank would ever issue another student loan.
You might have a faint, remote chance of legal action against the school if you can a) somehow prove fraud and, b) the statute of limitations has not run out. Need a lawyer for that of course, and he's probably not going to take this one on contingency...
You're right about one thing...plenty of other folks have student debt. It's just harder to pay off in aviation. I'd probably go get a real job, whatever pays best, live cheap and pay off your debt. You can probably take care of that in five years of ramen. Then decide what to do with the rest of your life...who knows, maybe even aviation.
#17
Line Holder
Thread Starter
Joined APC: Jan 2009
Posts: 31
Mr. Burke, you seem to be a very crusty and bitter old pilot. You sir are exactally what I hope to avoid being by leaving aviation.
Sgt., im sure the core appreciates your helpful advice. You sir, sorry I mean Sgt (not an officer yet?), are another reason why people are flocking to aviaiton. I appreciate your suggestion to get a job. With the number of posts you have on here are you employed by airline pilot central or do you and Mr. Burke enjoy commenting on the misfortunes of others?
To answer a few of the other questions yes, I do have a college degree that is (thank god) in the field of Business so I am looking for a career change. To the newcomer here are a few answers to your questions and a few others....
Yes, I have 10 years in aviation and do not have 1500 hours. I am typed in 4 aircarft though. How did this happen? Well I was hired (or skipped the line as Mr. Burke would say) and sat reserve at a very very small regional for 3 years and left with about 500 hours. But while I was there I was also approached to be a ground school instructor becasue of my past experiences. I was told it would enhane my resume so I did it. When they furloughed me I found employment at another slightly bigger regional where I was there for 4 years until I was furloughed as well. While I was there due to being on reserve and asked again to be a ground school instuctor I left with about 500 hours. Then as luck would have it a charter company hired me to fly for them with very very low time. It paid $64 an hour (with a 60 hour a month guarr.) and I didnt think turning down a chance to fly a Boeing all over the world was a good career move so I accepted the job. Right after I finished OE and consolidation I was approached again to be a ground school insturctor, sim instructor, and first officer check airman. I was told this would enhance my resume (yes again) So, I did and became a managment pilot (Sgt will hate that this college boy had "power" as he would see it over little poges but I did) So, a majority of my time there was spent in the classroom, sim, and observation rides. Then, while I was in the training department we added another Boeing airframe to our certificate and I recieved a SIC type for that as well so I could instruct on that too. Now, at $64 an hour I could barely afford my student loan payments, house payment (Sgt not all of us are tough marines and can camp in tents), food and family expenes( Mr. Burke may not have this problem as his crusty attitude im surely is appealing to the opposite sex) Now, another layoff has happened to me and I find that the only way I can get hired my most airlines is to have my ATP which I do not qualify for because I lact the PIC time.
NewCommer I hope this helps you out id be more than happy to help you with your career choice. Flying is a fun and rewarding career but it is very expensive to get started and very difficult on the home life.
Now I expect to hear back from Mr. Burke and Sgt. I never blamed anyone I simply reached out to my "brotherhood" of fellow pilots and found my hand bit off.
NewComer this is another lesson to you. Most pilots are happy to help out "just enough" but if they feel that you are more qualified, or didnt do it the "right way", or perhaps they werent held enough as a child they will turn their backs on you.
Once again any HELPFUL advice would be appreciated.
Sgt., im sure the core appreciates your helpful advice. You sir, sorry I mean Sgt (not an officer yet?), are another reason why people are flocking to aviaiton. I appreciate your suggestion to get a job. With the number of posts you have on here are you employed by airline pilot central or do you and Mr. Burke enjoy commenting on the misfortunes of others?
To answer a few of the other questions yes, I do have a college degree that is (thank god) in the field of Business so I am looking for a career change. To the newcomer here are a few answers to your questions and a few others....
Yes, I have 10 years in aviation and do not have 1500 hours. I am typed in 4 aircarft though. How did this happen? Well I was hired (or skipped the line as Mr. Burke would say) and sat reserve at a very very small regional for 3 years and left with about 500 hours. But while I was there I was also approached to be a ground school instructor becasue of my past experiences. I was told it would enhane my resume so I did it. When they furloughed me I found employment at another slightly bigger regional where I was there for 4 years until I was furloughed as well. While I was there due to being on reserve and asked again to be a ground school instuctor I left with about 500 hours. Then as luck would have it a charter company hired me to fly for them with very very low time. It paid $64 an hour (with a 60 hour a month guarr.) and I didnt think turning down a chance to fly a Boeing all over the world was a good career move so I accepted the job. Right after I finished OE and consolidation I was approached again to be a ground school insturctor, sim instructor, and first officer check airman. I was told this would enhance my resume (yes again) So, I did and became a managment pilot (Sgt will hate that this college boy had "power" as he would see it over little poges but I did) So, a majority of my time there was spent in the classroom, sim, and observation rides. Then, while I was in the training department we added another Boeing airframe to our certificate and I recieved a SIC type for that as well so I could instruct on that too. Now, at $64 an hour I could barely afford my student loan payments, house payment (Sgt not all of us are tough marines and can camp in tents), food and family expenes( Mr. Burke may not have this problem as his crusty attitude im surely is appealing to the opposite sex) Now, another layoff has happened to me and I find that the only way I can get hired my most airlines is to have my ATP which I do not qualify for because I lact the PIC time.
NewCommer I hope this helps you out id be more than happy to help you with your career choice. Flying is a fun and rewarding career but it is very expensive to get started and very difficult on the home life.
Now I expect to hear back from Mr. Burke and Sgt. I never blamed anyone I simply reached out to my "brotherhood" of fellow pilots and found my hand bit off.
NewComer this is another lesson to you. Most pilots are happy to help out "just enough" but if they feel that you are more qualified, or didnt do it the "right way", or perhaps they werent held enough as a child they will turn their backs on you.
Once again any HELPFUL advice would be appreciated.
#18
Actually, in his crusty fashion, Burke has it right. By your own admission, tried to "get ahead" by doing things all out of step. FIRST, you need real flight experience and PIC time, THEN, become an instructor/check airman (what's a FO check, sounds like SAC). It looks like you trusted those who told you how to get ahead without the real hard slog. I don't understand how you got as far as you did. BTW, you don't have 4 Types, if you don't have an ATP.
Now, if you want to fly, get the PIC time, whatever it takes, get an ATP, get hired at a regional and move on, paying whatever you can. Flying has no place for the inept, the uncommitted, or the casual. There is ONLY one way to where you hoped to be--no shortcuts. Luckily, the shortcuts didn't end up in a funeral home as so many of my late friends did.
Also, pilots are quite helpful, just don't look like a whiner or someone who is trying to shortcut things. Innumerable pilots have helped me thru the last 35 years, one went out on limb to hire me at 52.
GF
Now, if you want to fly, get the PIC time, whatever it takes, get an ATP, get hired at a regional and move on, paying whatever you can. Flying has no place for the inept, the uncommitted, or the casual. There is ONLY one way to where you hoped to be--no shortcuts. Luckily, the shortcuts didn't end up in a funeral home as so many of my late friends did.
Also, pilots are quite helpful, just don't look like a whiner or someone who is trying to shortcut things. Innumerable pilots have helped me thru the last 35 years, one went out on limb to hire me at 52.
GF
#19
Disinterested Third Party
Joined APC: Jun 2012
Posts: 6,250
Mr. Burke, you seem to be a very crusty and bitter old pilot. You sir are exactally what I hope to avoid being by leaving aviation.
I'm not "old" incidentally, and as for crustiness...you'll have to make that call. I'm ambivalent.
So you're not old and crusty. Good for you. You're also not experienced. Not good for you. You're also full of hot air. Let's explore.
I am typed in 4 aircarft though.
But while I was there I was also approached to be a ground school instructor becasue of my past experiences.
Right after I finished OE and consolidation I was approached again to be a ground school insturctor, sim instructor, and first officer check airman.
What the hell is a "first officer check airman?" They were really tapping the cream of the experience crop, weren't they?
Mr. Burke may not have this problem as his crusty attitude im surely is appealing to the opposite sex
Now, another layoff has happened to me and I find that the only way I can get hired my most airlines is to have my ATP which I do not qualify for because I lact the PIC time.
Without experience, certification, or qualification, and with your constant blaming of your woes on society in general, sundry flight schools, and the industry at large, it's no wonder you're not employed. Never the less, the way you extol your qualifications and the demand for your skills based on unnamed "past experience," it's a wonder you haven't been called to be CEO or higher by now.
Let's hear it. Why is it that you can't get the experience you need to flying freight or doing other flying? Wife's going to divorce you, you said? You're worried about that, and you're complaining about my ability to attract the opposite sex?
You talk like a youngster. Who really says "Sgt will hate that this college boy had "power" as he would see it over little poges but I did" without sounding like a 14 year old? Your wife didn't know what you did for a living when you were married? Can't handle the ups and downs? Then perhaps you're best getting out. Don't blame your troubles on her, though. Don't blame your troubles on the people who issued your loans. Don't blame your troubles on your flight school.
Nobody is forcing you to quit. It's all you. It's not your wife's fault. It's not the school's fault. It's not the bank's fault. It's you. OWN IT.
This is particularly poignant in light of the fact that the ONLY thing keeping you from having a successful career is YOU. Any reason you can't do what the rest of us have done, and many continue to do? No. It's all you.
Stop whining. Either bail out, or stay in and work harder. Your choice. Nobody is paying your loans off for you. Time to grow up, assume your obligations, and step into the grown-up world. Good luck with that. It may be your biggest challenge yet.
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