$100/hr for a wet Cessna 152 (lower end) $40/hr for the instructor, 20 hr min $100 for class 3 medical $160 for written $200-400 for the examiner A 2Lt takes home about $3560 take per month in basic pay (assuming no state income taxes). At the bare minimum (40 hours, 20 dual, 1hr checkride), that'll run $5360. About 1.5 months pay assuming no expenses besides rent (bah) or food (bas). At a more typical pace (65 hours and 35 hours dual), it's about 3.5 months pay. So doable, if you have a good job and no other debt, and nothing else going on in your life. Add one more months pay to get to 100 hours. If nothing else, LT pay only roughly doubled since you did your PPL, while hourly costs for an aircraft rental quadrupled. If you're working a min wage job (like a high school or college student summer job), assuming no other bills, 1200 hours of work (30 weeks full time work) to pay off the typical PPL in a C152. Add another 12.5 weeks (42.5 weeks total) of full time work to get to 100 hours. And again, this is without any other essential expenses like food, housing, and transportation. If you figure disposable income is 50% of take-home (which I'd say it's pretty generous), it's 2 years of work to fund that flight training, just to have an improved *chance* at getting picked up. Add about 25% if you're flying in something bigger like a C172, either for availability or weight (as in, if you weigh more than 170#, C152 probably isn't going to work out for you). All the PPL does is show that you have some aptitude for flying, and had the means to do flying in the civilian world. The AF gets the same info through IFT/IFS. Alternatively, you can do well on AFOQT and the TBAS, and your PCSM score will likely be high enough to be competitive without a significant amount of flight hours.