I needed a student loan, so American winds College of Aeronautics offered me an FMS loan. This loan deposits $20,000 every 3 months, totaling up to $80,000. I used around $25,000, I'm guessing because they DON'T TELL!! Me how much do I have left from the $80,000. My plan is pay off the loan with $25,000 with interest and do a pay as I go plan. Apparently you don't get your refund and your only option is to use up what you don't know what you have ? User's recommendation: This college is a BIG SCAM!! Don't go here you're better off finding a different flight school.