That's the detailed version of what i was trying to say! lol.
If you are taken on through CTC, you are on a "cadet salary". I think this applies to all employees currently on an FATPL?? Once you have the hours and are appointed as a F/O, then you get the F/O salary? That would make sense, anyway!
If so, CTC (or other) cadets, would seem to be better off as their bond/loan repayments are "tax free"?