It is the shame the industry has got to the point where such significant financial obligations are required. I am currently training abroad and will come out with about half of the debt of those who are getting the Easyjet MPL and ATPL schemes so I consider myself fortunate. I am under no illusions that the job market will be dire in the coming years. At my school the number of people interested in instructing has soared so the once reliable route to building hours is no longer present. I will have to look for alternative employment till the situation recovers. Fortunately I am in my early 20s so I have years left to turn it around, but I know of many who are older with dependants and this is a much more difficult time.