Ok Chris, let's just say you have to pay the 80k over 7 years, you will still be paying well over a grand a month. What happens if you dont get a job?? How do you repay that?? Even if you dont get a job flying, your still going to need a job of some description, undoubtedly you will need a job paying you at least 30k a year, to keep your head above water. I cant even see how on the sliding payscale's you say you've looked into that you can afford the repayments. The 1st 2 - 3 years of FO employment just dont seem to pay enough money at all.