my 2 cents:
i'm a 250 hours. I'm applying to become a FI.
I have no money to spend in a type rating.
But i say to myself: life is hard and a TRUE career is builded in TIME.
Bring on your career STEP by STEP, little steps, enjoy and learn between this steps with another philosophy. ALL and NOW philosophy is not good. If anyone like Ryanair make you think that is possible to build a career buyin it and not building it, let your brain work: THERE IS SOMETHING WRONG WITH IT.
I have some school collegue that have paid their type rating and now are in airlines. I don't disagree with them: if they have the money to do it... why not to do it?
But don't crash your personal life building a debt that destroy your personal quality of life for many years.
If you like to fly, enjoy flying everything: a little SEP with a student on your side, a little MEP with two costumers that can give you some hint on financial businnes or a piper to look for fire in the woods.
THIS IS FLYING.
If you destroy your life with debts and problems just to put on an uniform or to satisfy your self consideration telling friends that you pilot a boeing, i believe you don't like "Flying"... you like something else.
My grandpa says: Wisdom is to put a shoes in front of the other having time to look out to the landscape.
Excuse me for my bad english and remember that all life choices are personal.
This message is not a judgement, is only my little point of view.
Porco Rosso, Tuscany, Italy