You do not pay Ryanair any money for the type rating. The TR costs and conditions are quite clear when you sign your contract with either CAE or BFSAA. They sell you a type rating. You sign up for the TR directly with either of the schools.
If you pass it you then proceed to line training with Ryanair. If you are not able to pass the TR and get stopped during training then you lose all your money. The schools then have to find some way to continue the training for the second person who was part of your crew for the training. A mess. Very few fail the type rating. A handful a year.
You should not start a TR course with any airline unless you 110% confident in your ability.
It appears that with Ryanair since PB has tightened up rules in the training area that all struggling students are being identifed very early in the process. They will not tolerate anything other than 110%.