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You may want to recheck what the TRSS costs.
You don't get extra at all, you're on a lower pay scale and your wage is topped up to near (but not the same) what the non TRSS pilots get.
What eJ pay you doesn't cover the interest that the loan costs. You're left with a short fall of around 2-3,000 pounds. That comes from you.
Sure, it doesn't sound like much but it is a difference.