claycomm the reality, which few Wannabes want to acknowledge is that the "big money" often does not arrive. It especially does not arrive for those who join Ryanair and in accepting the conditions they accept demonstrate that they are willing to "compromise". Once you do that, the only issue is how much "compromising" will be necessary. Each year, steadily, the conditions deteriorate and people still line up. (Even the promise of a full time job in Ryanair - whatever it may actually mean in practice - can no longer be guaranteed; as for the money, what is said at interview to get you to part with your 737-800 conversion money is one thing - just try to get that in writing and watch them wriggle!!).
We are now beyond the point of warning people, because it is absolutely clear that until large numbers have been "burned" the dangers will not be accepted by many aspiring pilots. I fully accept that a Wannabe will say in reply - with some legitimacy - that a job with Ryanair is better than no job at all. Possibly this is true - BUT they would be VERY foolish if they think that there is lots of money to be seen in the near future. Ryanair start as they mean to finish.
If you have significant debts make sure you can survive without pay for a sustained period and with low pay for a few years. Do not count on promises of earnings at interviews or on banner ads here on pprune. Talk to REAL FR "second officer cadets". They will tell you the real story.
At the moment there are large and increasing numbers of aspiring pilots paying for CPL/IRs. In the next few years a large number of them will discover that the investment was a disaster. There are not going to be enough jobs. Terms will deteriorate to whatever point people are willing to acccept (including long periods with no pay). We just have to wait ....