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But 20 hours is a lot of instruction and most people can certainly solo safely in that time, even starting from scratch with no previous training. If not, then something may be wrong with the way is going, or else the CFI has a big mortgage to pay,and you are a source of funds. I did my solo after about 12 hours in a Piper Cherokee 140, and certainly had no trouble. I got my license in 43 hours. By the way, I don't see that is makes any significant difference whether you call it a license or a certificate or a rating. If you have it you are a pilot.
I'm going to chime in on this because of a really neat dressing down I got over the issue of time to solo and get the ticket.