YO, coming from a low cost operator as I see it,the terms and conditions are gone and as far as i can see are not coming back. So as I have my so called nice comfy number I cannot give out advice, however I was lucky when starting out, to have my rating paid. If as I was starting out today with the same initial burning desire to fly and not much/no other choice i would pay the rating and get on the ladder and maybe after a few years break even.And remember as I do, I would have signed anything gone anywhere to jump out of a c152 and into a B737. So good luck to the next victims and get friendly with your bank manager.