I joined the Navy in 1987 as an aircraft mechanic, I left in 1997 and got my A&P certificate in 1998, I then got my private pilot certificate November 2001. I moved to Billings, MT April 2002 and enrolled at Rocky Mountain College for my instrument rating including a full plate of classes. We moved to Memphis August 2003 before I could take my final check ride and I also ran out of money. I had issues with situational awareness as far as my location after a touch-and-go and re-entering a different type of instrument approach which required extra flights and more money. I now have a $15,000 school bill and no instrument rating. I am sick to my stomach about it and wish I had never pursued it. I've always wanted to fly and went for it, but now I think it wasn't meant to be. I am 34 years old now and think my window has been shut in my face, any suggestions?