Posting a question like this on pprune is like asking for cancer... Too much haters around here.
More and more airliners are moving towards self-sponsored TR's these days. If you have a job after your TR then it's nothing to even think about. I payed my own TR and I didn't do it the cheapest way to say the least. But in less then two years I had payed of the loan I took. It's by far my best choice I'we ever made. Of course I was very worried by the time I took the loan, it's always a bit of a risk taking, but everyone that I know that has payed their own TR is very happy for it.
I wish u the best of luck!