So, to get to the point where you fly for the likes of Ryanair you have to pay, what?.....About £100k, which you have to 'repay' yourself/whoever lent you the money before you start to show any sort of monetary profit. Lucky I'm at the end of my career not the beginning of it, I've actually made some money. Incidentally, as one who sees CV's there is a never-ending supply of 200 hour wannabees desperate to pay for a type rating (on almost anything) to get a job. There is a shortage of experienced, suitable for promotion pilots. I hate to say it but newbees are cutting their own throats. What the answer is I don't know, but when the music stops (and it will) there will be a lot of people very deeply in debt.