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When the fleet carriers came out, I think I had mine in a week. Of course, I didn't keep paying it off, I never really saw the point of them.
You just need to find a good freight loop. It's actually pretty fun running cargo with no shield (but extra armor). I had an imperial cutter customized for cargo hauling and if done right, you made money at astounding rates.
It took a while to locate, but I found a loop between three stations that allowed me to essentially buy low and sell high at every stop on the route. Though one leg of the route was all cargo transport missions, and they always invited interdictions. If done right you can drop out of FS and then jump right back out before the other ship gets their bearings. With a ship that big nobody can stop you.
But it was scary a few times. I may have lost it once or twice...