Overspeed -
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As long as there is a surplus of pilots paying for own training, there will never be such a thing.
The closest one airline came to have that, was UAL, in 1966-1968.
It was called the PAAP - Pilot Advance Acceptance Program.
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You had to fund your own PPL - back then some $2,000 at worst.
Then you applied for the PAAP.
They arranged for a bank loan to finance CPL+IR for you, maybe $6,000 then.
Multi-engine was not required then for F/Os and F/Es, just SEL was ok.
Only captains had ATPL and type rating...
Then you had, after hire to reimburse the loan after a while.
UAL was the co-signer.
That is the only program I ever heard about with pilot training loans.
In fact, almost like a cadet program.
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The good old days, right...?
Happy contrails, and happy new year...