Noprobss, correct me if im wrong, but my understanding of the Jetstar EBA is that you would be paid as a Junior FO, ie around 55K, until you have a full, unfrozen ATPL with the required aeronautical experience.
So 45K after the 10K a year loan repayment sounds alot less encouraging.
If you have an ATPL why not apply direct entry? (Understandable if you dont have the multi req).