Are you dreaming of becoming a pilot, but not sure how to pay for flight school?

If you’re short on time, here’s a quick answer to your question: There are several financing options available, including scholarships, grants, loans, and military benefits.

In this article, we will discuss the various ways you can fund your flight training, as well as tips on how to save money and make the most of your investment. Whether you’re a high school student or a career changer, we’ve got you covered.

Scholarships and Grants

If you are considering flight school, you may be wondering how you will pay for it. While flight training can be expensive, there are many scholarships and grants available to help offset the cost. In this section, we will discuss the various types of scholarships and grants available, as well as how to find and apply for them.

Types of scholarships available

There are many scholarships available specifically for aviation students. Some of the most popular aviation scholarships include:

  • The Aircraft Owners and Pilots Association (AOPA) Flight Training Scholarship
  • The Experimental Aircraft Association (EAA) Flight Training Scholarship
  • The National Business Aviation Association (NBAA) UAA Janice K. Barden Aviation Scholarship
  • The Women in Aviation International Scholarship

These scholarships can range from a few thousand dollars to full-tuition coverage. It’s important to research each scholarship to determine if you meet the eligibility requirements.

How to find and apply for scholarships

The first step in finding scholarships is to research aviation organizations and associations. Many of these organizations offer scholarships to students pursuing careers in aviation. You can also search for scholarships online using websites like Fastweb or

Once you have found scholarships that you are eligible for, it’s important to carefully follow the application instructions. This may include submitting transcripts, a resume, letters of recommendation, and a personal statement.

Tips for writing a winning scholarship essay

When applying for aviation scholarships, you will likely be required to submit a personal statement or essay. Here are some tips for writing a winning scholarship essay:

  • Be authentic and honest
  • Focus on your goals and why you are passionate about aviation
  • Highlight your achievements and experiences in aviation
  • Proofread your essay for grammar and spelling errors
  • Have someone else review your essay for feedback

Grants for flight training

In addition to scholarships, there are also grants available to help pay for flight training. The Federal Pell Grant, for example, can be used to pay for flight training at some schools. Additionally, some states offer grants specifically for aviation students. Contact your state’s Department of Education to see what grants may be available to you.


Flight school can be expensive, with the total cost ranging from $10,000 to $100,000, depending on the program and location. Most students will need to finance their education with loans. Here are some things to consider when taking out a loan for flight school.

Types of loans available

There are several types of loans you can consider when paying for flight school:

  • Federal student loans: These loans are available through the government and typically have lower interest rates and more flexible repayment options than private loans. You can apply for federal student loans by completing the Free Application for Federal Student Aid (FAFSA).
  • Private student loans: These loans are offered by banks, credit unions, and other financial institutions. They may have higher interest rates and stricter repayment terms than federal loans, but they can be a good option if you don’t qualify for federal aid.
  • Personal loans: These are loans that you take out from a bank or credit union and can be used for any purpose, including flight school. They may have higher interest rates and shorter repayment terms than student loans.
  • Parent PLUS loans: These are federal loans that parents can take out to pay for their child’s education. They have similar interest rates and repayment terms as other federal loans.

How to qualify for a loan

To qualify for a loan, you will typically need to meet these requirements:

  • Be enrolled in an accredited flight school program
  • Be a U.S. citizen or eligible non-citizen
  • Have a good credit score
  • Have a steady source of income or a co-signer who does

Keep in mind that these requirements can vary based on the lender and the type of loan.

Tips for choosing the right loan

When choosing a loan for flight school, consider these factors:

  • Interest rate: Look for the lowest interest rate possible to save money over the life of the loan.
  • Repayment terms: Choose a loan with repayment terms that work for your budget and schedule.
  • Fees: Some loans may have origination fees or other charges that can add to the total cost of the loan.
  • Co-signer requirements: If you have a lower credit score or income, you may need a co-signer to qualify for a loan.
  • Flexibility: Look for loans that offer flexible repayment options, such as income-driven repayment plans or deferment options.

Repayment options

After you graduate from flight school, you will need to start repaying your loans. Here are some options to consider:

  • Standard repayment: This is the default repayment plan for federal loans and involves making fixed monthly payments for 10 years.
  • Income-driven repayment: This is a repayment plan that adjusts your monthly payment based on your income and family size.
  • Deferment or forbearance: If you experience financial hardship or other circumstances that make it difficult to make payments, you may be able to postpone payments through deferment or forbearance.
  • Loan forgiveness: Depending on your career path, you may be eligible for loan forgiveness programs, such as the Public Service Loan Forgiveness Program.

Make sure to carefully review your loan terms and repayment options before taking out a loan for flight school. With responsible borrowing and repayment, you can achieve your dream of becoming a pilot.

Military Benefits

For those who have served or are currently serving in the military, flight training can be partially or fully covered by military benefits. Here’s what you need to know:

Types of Military Benefits Available

The two main types of military benefits that can be used for flight school are the Post-9/11 GI Bill and Tuition Assistance. The Post-9/11 GI Bill provides financial support for education and housing to individuals who have served on active duty for at least 90 days after September 10, 2001. Tuition Assistance provides up to 100% coverage of tuition and fees for active-duty service members pursuing education or training.

Eligibility Requirements

To be eligible for the Post-9/11 GI Bill, individuals must have served on active duty for at least 90 days after September 10, 2001, or have been honorably discharged with a service-connected disability after serving 30 continuous days following that date. To be eligible for Tuition Assistance, service members must be on active duty and have completed their initial training.

How to Apply for Military Benefits

To apply for the Post-9/11 GI Bill, individuals must submit an application through the VA’s website. For Tuition Assistance, service members must apply through their respective branch of service’s education office. It’s important to start the application process early to ensure that benefits are approved and available when needed.

Using Military Benefits for Flight Training

Once military benefits have been approved, they can be used to cover tuition, fees, and living expenses while in flight school. It’s important to note that there may be limits on the amount of benefits that can be used for flight training, so it’s important to check with the VA or your branch of service’s education office for specific information.

Post-9/11 GI Bill Tuition Assistance
Coverage Up to 100% of tuition and fees; living expenses based on location Up to 100% of tuition and fees
Eligibility Active duty for at least 90 days after Sep. 10, 2001, or honorably discharged with service-connected disability after 30 continuous days after that date Active duty
Application Process Submit application through VA’s website Apply through branch of service’s education office

Tip: If you’re not sure which benefits you’re eligible for or how to apply for them, reach out to a veterans’ service organization or your branch of service’s education office for guidance.

Saving Money on Flight Training

Flight training is expensive, but there are ways to save money while still obtaining your pilot’s license. Here are some tips to help you reduce the cost of flight school:

Choosing the Right Flight School

Choosing the right flight school can make a big difference in the cost of your flight training. Look for a school that offers affordable rates for flight hours and has a good reputation for producing quality pilots. It’s also important to consider the location of the school, as some areas may have higher living expenses than others. Research different flight schools and compare their rates and reviews before making a decision.

Maximizing Your Flight Hours

Maximizing your flight hours can help you save money in the long run. One way to do this is by setting clear goals with your flight instructor and sticking to a structured training plan. This will help you avoid unnecessary flight hours and ensure that you’re making progress towards your pilot’s license. Another way to maximize your flight hours is by practicing outside of your scheduled lessons. This can include studying aviation theory, practicing maneuvers on a simulator, or taking short flights in a rented aircraft to maintain your skills.

Reducing Expenses

There are several ways to reduce your expenses during flight training. One way is by sharing the cost of aircraft rental and flight hours with another student. You can also consider purchasing your own flight equipment, such as a headset or flight bag, to avoid rental fees. Additionally, look for discounts on flight training materials and ground school classes. Don’t forget to ask your flight school about any scholarships or financial aid opportunities that may be available to you.

Working While in Flight School

If you’re able to work while attending flight school, it can help offset the cost of your training. Consider finding a part-time job or freelance work that can be done remotely to avoid interfering with your flight schedule. You can also look for aviation-related jobs, such as a flight instructor or airport customer service representative, that may offer tuition reimbursement or other benefits.


As you can see, there are many ways to pay for flight school. Whether you choose to apply for scholarships, take out a loan, or use military benefits, it’s important to do your research and explore all your options.

Additionally, by choosing the right flight school and being proactive about saving money, you can make the most of your investment and achieve your dream of becoming a pilot.

We hope this guide has been helpful to you in your flight training journey. If you have any questions or would like to share your own tips and experiences, please feel free to leave a comment below.

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