如果你是美国人.S. citizen or resident, you can apply to 试点金融. They have great options to start your career.
Our finance programs are designed for part-time fixed-wing private pilot or instrument training. Under certain circumstances we are also able to accommodate advanced training, 旋翼机的培训, 和飞行员运动训练.
Can I finance commercial and advanced training?
You can finance commercial and advanced programs as long as the training fits within our program guidelines and you can afford the monthly payment amount. For more information, refer to minimum program sizes and typical program sizes later in these FAQs. 如果你需要一连串的收视率, you should look ahead and be aware of how your payments could increase and whether you will be able to qualify. 同时真人跑得快欢迎新的业务, we also strive to avoid transactions that appear likely to leave you “stuck” in your training cycle; a situation where more training is needed to achieve a commercial or career goal but you are financially unable to continue.
What training schedules can be accommodated?
试点金融 programs are for part-time training with training schedules that average between 1-5 lessons per week. The maximum training schedule must be established in advance because the maximum repayment periods we can offer is determined by the agreed maximum (average) training schedule. 因天气原因缺课, scheduling or other reasons can be “made up” later, but you may not accelerate your training beyond the agreed maximum (average) training schedule, 测量累计. 不幸的是, at this time our programs cannot accommodate accelerated training that involves more than 5 lessons per week.
The repayment terms are determined by the number of lessons per week, 平均, 你想要的. Repayment terms range from 18 months for our most accelerated programs with 5 lessons per week, to 72 months for programs with only 1 lesson per week. Most of our customers use programs with 2-3 lessons per week and repay over 48-60 months.
What if I use all of my training funds before I finish?
You can apply for “add-on” or “finish-up” training provided that 50% of the payments on your initial account are satisfactorily paid. 以避免培训资金短缺, we strongly encourage students and schools to package training programs that will be fully sufficient to achieve the training goal. Most of our schools add a “cushion” of additional aircraft and instruction hours, because many students need more hours than they originally anticipated.
What if I don’t use all of my training funds?
If funds are left over after training is completed, you have several options: 1) use the remaining funds to rent aircraft and build hours; 2) use the remaining funds to take additional training; or 3) elect to terminate your program and have the unused training funds credited to your 试点金融 account to reduce your remaining monthly payments.
All 试点金融 programs clearly state that you may terminate your training at any time for any reason! Your school and 试点金融 warrant this right. Both of us guarantee a refund of any unused training funds at the time of your termination. The refund is credited to your 试点金融 account balance. You will never have to pay for training services you did not receive! We are proud of the way our programs protect our students.
The minimum program size for our standard repayment plans will include at least 45 hours of aircraft rental. We consider programs that include 25-45 hours of aircraft rental on an exception basis, but with shorter-than-normal repayment terms. 项目 with fewer than 25 hours of aircraft rental cannot be approved for financing.
For the private pilot and instrument programs we finance, a typical “full” training program includes between 55-65 hours of aircraft rental. Because financing “add-on” or “finish-up” training will likely not be available, it is important that your program size be fully sufficient, in the best judgment of you and the school, 达到你的训练目标.
Our contract interest rates range from 12%-18% depending on your qualifications. 一般, the interest rate will be somewhat lower than you might pay on traditional credit card accounts.
Is there a penalty for paying off my account early?
No. 没有预付罚金. You will be refunded any unearned interest for paying off your account early. 兴趣退税, 或者退款, for early payment in full (referred to as “prepayment”) is determined by the finance regulations in your state. The calculation varies slightly from state to state.