If this cadet programme is a sponsorsorship then it will be paid for and you will not need to borrow money.
If is a mentored scheme then you may have to get a loan.
Its illegal to offer something as a sponsorship and then charge people for it for what ever the sponsorship is for. There have been many law suits in America on this and I know a person that has sued a UK airline & the FTO in question and the Judge granted the case in favour of the Trainie Pilot and rightly so. There are to many companys misleading people into these so called cadet schemes and then on the entry requirements you have to pay for the course. Thats bollix, Just call it self funded co-pilot course or whatever and stop getting peoples hopes up for marketing reasons!!!!