Member Benefits /

When a lender is determining whether to extend credit to you, income is just the beginning. Lenders look at your financial history in these additional ways.

Credit score. Your credit score helps determine whether you qualify for credit, your interest rate, and your credit limits.

DTI. Debt-to-income ratio is the amount of money you owe in any given month divided by your gross monthly income. Lenders look for a DTI below 40 percent (including the proposed aircraft loan).

Liquidity. Liquidity refers to how easily an individual can meet financial obligations with liquid assets. Cash is the most liquid of assets, followed by money market funds, checking accounts, and savings accounts.

Unsecured debt. When debt is unsecured, it means that there is no property or equipment attached as collateral. Try to keep unsecured debt to a minimum.

AOPA Aviation Finance understands that securing an aircraft loan can be daunting. Its goal is to make it easier to finance airplanes, and an experienced team of aviation-savvy loan experts is ready to discuss your situation. Visit the website (aopafinance.org) or call 800-62-PLANE (75263) to determine which loan works best for you.

Membership. Modify your student trial membership or take the next step and become an official member of AOPA. You’ll continue receiving all of the following great benefits, services, and discounts while supporting the organization protecting your right to fly. Student members can join AOPA at a special reduced rate of just $35 (www.aopa.org/membership/membership-options.aspx).

Flight Training helpline. Dedicated toll-free number (888-232-7456) for student pilot members to call for support, advice, and answers to help you reach your flight training goals.

Advocacy. Taking on regulatory and legislative threats to GA at national, state, and local levels has remained the association’s primary focus for 75 years (www.aopa.org/advocacy).

Magazines. As a student member you’ll receive Flight Training magazine (print or digital). When you renew your membership, you’ll have the option of selecting AOPA Pilot (flighttraining.aopa.org).

Newsletters. Customizable weekly email newsletters offer aviation industry news, information, and tips. Sign up online (www.aopa.org/news-and-video/newsletters.aspx).

AOPA Air Safety Institute. A wide array of interactive online courses, safety quizzes, webinars, and seminars to help you increase your knowledge and become a safer pilot (www.airsafetyinstitute.org).

AOPA Live. Weekly webcast show recaps the week’s news and showcases aviation feature stories (www.aopa.org/aopalive).

Car rental discounts. AOPA members save on car rentals with our strategic partners: Enterprise, National, and Alamo (www.aopa.org/cars).

AOPA Lifestyles Collection. Save money with exclusive members-only discounts and special offers from top aviation and nonaviation companies (www.aopa.org/lifestyles).

Renter’s insurance. A renter’s policy with AOPA Insurance Services provides comprehensive coverage (www.aopainsurance.org/nonowned).

CFI insurance. Whether you’re an instructor/owner, borrowing or renting aircraft, full-time or part-time, we can provide comprehensive coverage for both professional and personal use (www.aopainsurance.org/cfi).

Life insurance. We also protect you and your loved ones in the air and on the ground with term life insurance, emergency assistance, and AD&D insurance (www.aopainsurance.org/life).

Pilot Information Center. Experienced pilots and CFIs are available on our toll-free helpline (800-872-2672). You can also go online (www.aopa.org/pilot-resources/pilot-information-center.aspx) for access to information most often requested by our members.

Flight planning. Robust flight- planning capability; airport directory information; and aviation weather for your smartphone, iPad, or computer (www.aopa.org/flightplanning).

Weather. Online graphical real-time aviation weather information (www.aopa.org/wx).

Airport information. Online directory with vital preflight information, updated daily (www.aopa.org/airports).

Legal and medical help. AOPA Pilot Protection Services helps safeguard pilot and medical certificates from FAA action (www.aopa.org/pps).

AOPA Foundation. Your tax-deductible donation provides funding for important work that membership dues alone cannot support: safety, education, growing the pilot population, preserving airports, and providing support for good work being done in general aviation (www.aopafoundation.org).

AOPA Aviation FinanceCompany. Whether you’re purchasing an airplane for personal travel or your business, we can help you find the right financing for new and used general aviation aircraft (www.aopafinance.com).

Aviation Job Board. Find your career in aviation or the best candidates to complete your team (http://jobs.aopa.org).