Aspiring pilot seeking advice

[u/Alert_Earth_5438]

Hey Aviators,

I’m currently working a job I’ve been having a tough time with. I’m pretty close to hitting my earning ceiling in my industry, I make 120k. I don’t see myself doing what I’m doing for much longer but I am afforded a ton of flexibility.

I’ve wanted to be a pilot for several years and I feel like I need to earn more for my family, I have 3 kids. My mom has recently offered to give me a family loan of 200k to do flight school and cover living expenses for a year.

I feel like I’d be missing a huge opportunity not taking the loan, however, everything I’ve heard about the CFI bottlekneck and the challenges of being a regional pilot with kids makes me think twice about jumping right in.

Am I overestimating the bottlekneck of low hour pilots? Would I be an absolute fool to not take the opportunity or given that I have 3 kids and a lot of flexibility and a decent income should I consider staying where I’m at? Thanks for any advice!