Educational only. Confirm this with your CFI (certified flight instructor), an AME (aviation medical examiner), and each program. We are not the FAA, a flight school, or an airline. Full disclaimer
Training money
Loans, GI Bill benefits, and in-program aid. Verified means the official page was read on October 16, 2026.
Private loan · Verified
12-month grace period; set 15-year term; covers flight/ground hours, cert fees, some equipment; min $1,000; no origination or prepayment fee. Example: 9.38% fixed APR on $10k (most common rate).
Students in a professional pilot program at a participating school (not all schools eligible); credit-based, cosigner optional.
Official Sallie Mae page read.
Private loan · Verified
6-month grace; term depends on amount; up to 100% of school-certified cost.
Students in aviation degree programs at participating schools.
Official Sallie Mae page read.
Private loan · Verified
Flight school loans through partner schools; must be 18+ (no minors, even with cosigner). Rates: Not found on home page.
Students at Stratus partner schools in listed states: AL, AK, AZ, AR, CA, CO, DE, FL, GA, IN, IA, KY, LA, MI, ME, MA, MN, MO, MS, NC, NE, NV, NH, NJ, NM, OH, OR, PA, SD, TX, UT, WV, WI, WY, KS, ID, PR.
Official site read (rates not published).
Utah is on the lending list.
Line of credit · Verified
11.99%–13.99% APR; min credit score 660; max $20,000; payments $25 per $1,000 owed; no deferment; no down payment; max DTI 50%.
AOPA members; any flight school or rating.
Official AOPA Finance page read.
Better for a private license than a full career program, given the $20k cap.
Program loan / line of credit · Verified
Line of credit up to full training cost; payments deferrable until end of a 27-month grace period after training (6 months if you don't finish). Serviced by UAS. Rate: Not found.
American Airlines Cadet Academy cadets.
Official AAFCU page read.
Cadet Academy is currently paused (see Programs).
Private loan · Verify (likely discontinued)
Formerly financed ATP students.
N/A
The ATP page returned 404 on Oct 16, 2026; AOPA reported Meritize exited aviation lending in 2025.
Don't rely on it.
Veteran benefit · Verified
VA pays the school up to $17,661.89/yr for non-degree flight training (Aug 1, 2026–Jul 31, 2027 rate). No housing allowance or book stipend for flight training.
Must already hold a Private Pilot license; 2nd-class medical (1st-class for ATP track); Part 141 school or Part 142 center; VA-approved program.
Official VA flight training and Post-9/11 rates pages read.
A degree program at a college can pay more. Check 'college-degree program' benefits.
Veteran benefit · Verified
Reimburses 60% of approved flight school fees.
Same eligibility rules as above.
Official VA page read.
In-program financing · Verified
Extra loans for housing/stipend: CAE $17K, SkyWarrior $30K (incl. courseware), US Aviation $15K.
D225 cadets.
Official D225 page read.
Program currently closed.
In-program aid · Verify
$27,000 from Horizon toward Commercial; Hillsboro funds CFII; secured loans after PPL.
Ascend cadets.
Official page snippet via search + 2026 job posting mirror; official page didn't load.
3-year Horizon commitment.
Cadet bonus · Verified
$15,000 total + paid ATP-CTP (~$5,000).
PSA cadets.
Official PSA job posting read.
Cadet bonus · Verified
Up to $15,000 at Cadet Instructor stage + paid ATP-CTP.
Envoy cadets at partner schools.
Official Envoy page read.
Cadet bonus · Verified
$4,500 bonus + paid ATP-CTP and test.
Piedmont cadets (500+ hrs).
Official Piedmont page read.
Cadet stipend · Verified
$500/mo until 750 hrs, then $1,000/mo; paid ATP-CTP + jet transition.
Frontier cadets.
Official Frontier page read.
Program currently closed.
In-program financing · Verify
Financing offered; terms Not found on the page checked.
LIFT students.
Official page read; no loan terms shown.
Students in a professional pilot program at a participating school (not all schools eligible); credit-based, cosigner optional. Status: Verified. 12-month grace period; set 15-year term; covers flight/ground hours, cert fees, some equipment; min $1,000; no origination or prepayment fee. Example: 9.38% fixed APR on $10k (most common rate).
Students in aviation degree programs at participating schools. Status: Verified. 6-month grace; term depends on amount; up to 100% of school-certified cost.
Students at Stratus partner schools in listed states: AL, AK, AZ, AR, CA, CO, DE, FL, GA, IN, IA, KY, LA, MI, ME, MA, MN, MO, MS, NC, NE, NV, NH, NJ, NM, OH, OR, PA, SD, TX, UT, WV, WI, WY, KS, ID, PR. Status: Verified. Flight school loans through partner schools; must be 18+ (no minors, even with cosigner). Rates: Not found on home page.
AOPA members; any flight school or rating. Status: Verified. 11.99%–13.99% APR; min credit score 660; max $20,000; payments $25 per $1,000 owed; no deferment; no down payment; max DTI 50%.
American Airlines Cadet Academy cadets. Status: Verified. Line of credit up to full training cost; payments deferrable until end of a 27-month grace period after training (6 months if you don't finish). Serviced by UAS. Rate: Not found.
N/A Status: Verify (likely discontinued). Formerly financed ATP students.
Must already hold a Private Pilot license; 2nd-class medical (1st-class for ATP track); Part 141 school or Part 142 center; VA-approved program. Status: Verified. VA pays the school up to $17,661.89/yr for non-degree flight training (Aug 1, 2026–Jul 31, 2027 rate). No housing allowance or book stipend for flight training.
Same eligibility rules as above. Status: Verified. Reimburses 60% of approved flight school fees.
D225 cadets. Status: Verified. Extra loans for housing/stipend: CAE $17K, SkyWarrior $30K (incl. courseware), US Aviation $15K.
Ascend cadets. Status: Verify. $27,000 from Horizon toward Commercial; Hillsboro funds CFII; secured loans after PPL.
PSA cadets. Status: Verified. $15,000 total + paid ATP-CTP (~$5,000).
Envoy cadets at partner schools. Status: Verified. Up to $15,000 at Cadet Instructor stage + paid ATP-CTP.
Piedmont cadets (500+ hrs). Status: Verified. $4,500 bonus + paid ATP-CTP and test.
Frontier cadets. Status: Verified. $500/mo until 750 hrs, then $1,000/mo; paid ATP-CTP + jet transition.
LIFT students. Status: Verify. Financing offered; terms Not found on the page checked.
