Very true, the practicality of life and it's responsibilities will always come through and though he's employed he'll quickly realise that the employment is simply to repay his debt. Lets hope he doesn't disregard his debt and then find himself in a compromised position in terms of emplyment during a downturn.
£100k is a fantastic amount of unsecured debt and it's need to be looked at away from the patronage of 'aviation' and seen simply as the banks would .... your name and the amount. What OAT are doing is somewhat irresponsible when they charge what they do and then the course ends up being even more expensive. In such situations you're eventually going to come across the chap who never got employed. Now think what that would do to his/her family, the kids future, your future. FTOs are cutting as many corners as possible to market and spin their service but at the rate they're going they are practically turning themselves into a casino, either win big or loose big, that's not the way it should be.