Hi all Just want to tell a quick story if I may and ask a few questions. I'm a 23 year old lad, work in a bank as an analyst spreadsheet type person and to be honest its not what I saw myself doing when I was young! Now being 23 I've got the normal detrious of being in my early 20's - rented house, personal loan, mobile phone contract etc. In short I have commitments - but everything apart from the loan could be got rig of sharpish with no hassle. I could move in with my parents - house/rent gone. Phone contract ends next month - thats gone etc etc etc So I was thinking of joining up. It is what I wanted to do as a kid and to paraphrase someone or other "Some people wake up when they're 60 and ask what difference they've made to the world. Soldiers don't have that problem". So I went down to the ACO and was basically told 'thanks but no thanks' due to my financial commitments. Thing is, I only see the loan as a commitment. I pay 200 per month over five years (yes I was stupid to build up the debt but I'm paying it off). If I did join I know you only get a certain amount cash in hand during training but I could build up a wedge in my bank account to take care of the loan whilst in training and then once I'm out I would live in barracks and be earning approx 750p/m after deductions. After paying the loan then on that money I'd have about 550 each months spends, which is more than I have to spend nowadays after food etc. I would actually be better off even with taking a pay cut! Hopefully this makes sense. What I'm trying to say is there any appeals process wherby I can have a full and proper chat with someone and put this argument forward or is it a case of tough luck! Thanks for any replies and sorry for the stupid length of the message.