If the BVI sailing school plan doesn't come to fruition > get you a future co-captain > find an ASA school nearer to you (in the states) > take an ASA 101/102 course (lot of fun) > reach out to one of the BVI chartering companies about bare-boating. If you still don't feel comfortable, they will offer to place a "friendly captain" on board for the first day or so.
With an ASA 101/102 certificate > you will have higher credentials than 50% (?) of your fellow BVI sailors (TTOL'ers please comment on this 50% number).
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