VT, I will not conduct this discussion by PM!
For my views on the consequences of accepting below-par terms and conditions, read
this post. The effects I describe there are happening right now, and have been doing for some time. That's not your fault, but you (collectively) should be aware of the consequences of your enthusiasm for flying.
It's in a way unfortunate that this profession is still one of those that has a patina of glamour about it, because it tends to attract many who think with their hearts not with their heads. After a couple of years in the job, you will wonder what you were thinking when you declared you'd do whatever it takes to get into the job: accepting little or no pay, !!!!ty conditions, ever-moving bases and all the other things referred to in this and other threads. With your £100k debt to service, you may well find that you are having to take on other work, and your partner is also working to pay your debt - as well as keep a roof over your heads, and food on the table. The strain
will tell. Not yet, maybe, but it will. Eventually, you may find - as many have before you - that your dream isn't held by your family with as much enthusiasm as it is by you. The privations they endure so that you can fly may become just too much to bear, and they may look for a way out. Without your partner's contribution, you may not be able to service that debt (which may by then have increased if you've had trouble paying). Where do you go then? Hold out for a command (which won't pay what it used to) while stalling the bank, or leave flying and try and get a stable job that pays a living wage?
That's where all this
could end up for you. It has for many others. Don't sell yourself short; the consequences are really, really not worth it.
Scroggs