You are right about CTC, yet the people I know have loans at 100k and don't even seemed phased by the fact that they will need to be on £30k just to pay off the minimum each month.
Maybe part of the CTC course (free for anyone paying more that £50k) is learning how to be so oblivious to the sheer amount of debt that they are getting themselves into.
I had a thought the other day. I wonder if when airlines do start recruiting, they are going to favour those with a more stable lifestyle?
Stable, home-owner, no debts, 2 cars and a dog.
vs
Struggling, bankrupt, zero credit rating, 1 bus pass and a starvin dog.
Does that come into it?