A smarter way to BA?
Maybe this is all wishful thinking and includes a lot of "ifs" but bear with me....
I've a good friend who paid 28k for type rating and line training on 757.
Straight into a job, starting salary circa 40k.
No reduced salary to pay for rating and no bond so he's free to move on if a better offer comes along.
After 1 year when this guy has 500 hours on type, he is then elligible to apply to BA.
If accepted, financially he is in a much better position than the Integrated guy who finished his training at exactly the same time and went straight to BA from Oxford/Cabair etc.
He enters BA as a DEP so gets a significantly higher salary then the Oxford guy who's on the SSP salary.
His loan repayments are significantly lower then the Oxford guy as the total cost of his modular training plus the 28k for type and line training is still lower than the cost of an integrated course.
As he's rated on a BA type and has 500 hours, he goes straight onto mixed fleet, 757/767 flying and the lifestyle benefits that go with it. The Oxford guy remains on the 320/737 for 4 years.
The only downside is he has 1 years less seniority then the Oxford guy, so will be 1 year longer waiting for command all things being equal.