No american blood in my vains, i’m a midlands lad born and bred, the CDL is a career developement loan which you apply to either the Co-operative bank, Barclays or the Yorkshire bank for, whilst you do your training you do not pay anything back its sort of a deferred payment thingy, you only pay the money back once you pass and start work for a haulage firm. thanks for the help i shall be doing some ringing around whilst im sat in my bright blue Argos home delivery wagon, R D