The minimum is 40 hours of flight time. However, the average in the US is between 65 to 70 hours; this is a good number to base your financial calculations on. You can reduce this number by taking the time to study in your own time and practice what you have been taught. However, this can go the other way! If you do not study in your own time and complete your homework assignments, it can increase the flight time. The end goal is to reach a proficiency level that will allow you to perform the required tasks to the standard required.