While doing my due diligence and figuring out all financial options I may have to begin my accelerated program early next year, I too had similar questions to yours. A 80k-100k loan is practically impossible without a co-signer. My wife and I both have great jobs now and make over 100k a year and both Wells Fargo and Sally Mae turned us down. One better option I found than the private loan route is getting multiple lines of credit. While you most likely could not do this for an accelerated program, if you get all of your licenses piece by piece at a local FBO, credit cards often offer much lower apr rates than private loans. You can also apply for cards with 0%apr for 15+ months, giving you more time to pay them back than many private loan term offers.