Interesting that the OP thinks 5-7 years is "long term"! If you are on the 737 now you will almost certainly end up on the 777 and depending on 777-x delays it is unlikely you will have your command in 7 years and almost certain you won't have it in 5. Also, remember there is now a 2-year bond that comes along with the command course so unless you fancy paying that off your 5-7 is realistically more like 7-9.