Harrier46,( must be ex Air Force right ?) with the greatest of respect you are talking out of your arse. What first hand knowledge do you have of how much our new F/O's earn ? Perhaps rather more pertinent is how much disposable income they have(n't got ) once they pay back the loan for their licence rating etc, and then find themselves rostered at a different base each week(if they are the lucky? one's actually doing some flights) because nobody could actually get around to allocating them a base, forced to spend their meagre income on hotel food , airport sarnies, or in extreme cases relying on handouts from the Capt as they have NO MONEY. The stories about some new guys sleeping in cars and terminals are NOT stories, they are FACT. So ( assuming you are ex AIR FARCE. . .no not a spelling error) be grateful that the good old UK stumped up for your training and stop trying to cast doubts on the situation some of my colleagues have to endure, as you plainly know cack all about which you pontificate.