I'm not blaming NJE/OAA scheme, I'm blaming all kinds and sorts of expensive integrated courses.
65 000GBP, my friend
The problem with such a sponsored course is that the illusion is even more difficult to differenciate from the reality and people start being optimistic like member Hollingworth.
Look at the intial investment: OAA accommodation+the part you can't finance=minimum 10 000GBP.
If you have that cash you can get yourself PPL + Pre-IR requirements.
Work during one year while you train modular to gather 15 000GBP and get CPL IR ME. You can already start applying.
Work another 8 months and put another 10 000GBP together and go to USA for multi-engine hour building during the annual leave.
Work til you find a pilot job.
Find a job at 2000€ per month. If you are engaged by then and want to contract a mortgage to buy a house, the bankier will nod instead of kicking you out of his office if on a OAA loan.
Earn 2000€ per month during 2 years. Pay rise on the third year.
You decide: go to NJE for more money or stay.
You win 2 years over the NJE cadet and have broader carrier opportunities and what's most important: no pressure.
Imagine yourself
up a landing with a NJE Hawker on the first year.
You will not pay a cent for the repairs but they'll kindly ask you to leave. Your 300GBP per year job-loss insurance will pay your loan for 6 months.
You will not find another job with any other carrier because you are on the record.
Imagining that only will put you under alot of pressure, certainly during the first years. And such pressure does not belong to be in a cockpit.