Towerdog,
Your $25K income estimate is bogus!
I have many friends who fly at AA - many of whom fly smaller equipment and are newly-hired (e.g., new 738 FO, 727 FE) and nobody makes less than $40K - most make more than that... My brother is a Delta 757/767 FO in only his second year and he earns $90K+ and is expecting to make $100K+ next year IF he isn't bumped from his plane...
You may not have a reason to lie, but you may need to recalculate... Not trying to contradict you - just think a recalculation is necessary...
Cheers