Why are multiple engines different?

new_CFI writes:

I dont know your financual situation. Mine wasn't that great either....but
I just had to go fly. I took out a lone for not only all the training but
living expenses while I trained. Perhaps you could look into doing that
too?

In my current situation, nobody would loan me money, and it would be
extremely irresponsible of me to take out a loan even if I could find
a lender, as I have no hope of making payments.

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