First things 1st to answer the question posed above "Would you deny an addict methadone?"
Errm yep I'd lock them in a cell and make them go cold turkey at far less cost to the tax payer and then give them Beta blockers (cost a few pounds) so that should they ever try to use drugs again they become violently ill. I pay tax so that the infrastructure of this country can be looked after not so the idol, lazy and selfish can spend it in rehab but that's another thread....
Back to the thread though, I left university £15k in debt and it took me until my 30s to pay of my student debt. On leaving the forces I spent £70k on flying training all of which was borrowed unsecured.
A similar story to those above was that after a year of instructing I had to stop flying to earn enough to not go bankrupt. I have managed to get married and buy a house with my wife whilst having this debt outstanding only because I stopped flying.
The problem that we now have is that whilst we can afford to live on the £120k we earn between us my wife is an accountant and bankruptcy is not an option as she would be unable to practice and we ould loose our home.
Renting is more expensive than a mortgage where we live and we have no relatives within 150miles that would enable us to keep our jobs.
We cannot afford to live on a less than £120k for the next 6 years and whilst my wife currently contributes half there are not many 1st officers positions that pay enough. So what do I do?