You hit that one right on the nail!! It's the owners who keep the prices the way they are..... yeah sure; you have insurance cost, renting, blah,blah.... but the only reason the price is the way it is for flt trng and cfi pay, is because that's just more profit for the owners. They say what they can to get you in, knowing you'll just be struggling at the end. Take for example, the flght school that most pilots dislike; How can they justify charging that amount for their trng?? But, is the owner of a competing school going to say anything???? HELL NO!! Why!!! More money = More PROFIT!!. Unfortuneately, I'm one of those low time, unsafe pilots, out-there; and your right I'm trying to get by. Don't mean to sound bitter but, I'm just tired of the BS. "The industry needs pilot.", no they need experienced pilots. Where was the article on that when I signed the loan documents?