Founder,
A lot of people have had to do instructing on 1000 euros a month with debts to pay, living costs to meet etc etc. It was your decision to become a pilot and get 70,000 euros in debt which is regrettably the reality of getting a licence in the EU. That is your business and good luck to you and I honestly wish you do well.
But when you fall onto the hook and pay for your rating you start to affect others who are also in debt but are smart enough not to make it worse, and you help make T&C's worse for all.
Shags