Despite Ryanair being a poor deal, i dont believe it to be a true pay to fly scheme.
The common factor of these pay to fly schemes is that they rely on a continual turnover of FO's. Basically replacing eachother, this simply isnt the case with Ryanair.
Going a while back cadets were actually worse off with regards to pay during line training than they are now, so lets not forget that eh.
35 euro per hour line training, and your likely to do 100 hrs(maybe more) in your first month or so;
A. Your cheap
B. Your not much use until your line checked.
So around 3500 euro gross is not too bad to be honest!