If its a small company then its probably more likely that they might be open to negotiation. In that case get out the violin and start playing them a sad tune. Tell them how broke you are after forking out for the best training money could buy. Tell them how you would love to work for them but just can't afford the TR now and how hard it is to raise debt in the current financial climate and with the possibility of the aviation industry heading south that your bank manager won't give you a bean. If that is getting you nowhere then say hey why don't you take the TR out of my monthly pay in chunks over say 2 years. That way if they go tits up then you won't be so exposed and hopefully you will have completed the TR and have a few hours on type.