Just a quick point,
In the Malgus contract thing, doesn't it say that they will find you "employment" after you have qualified, and this "employment" would enable you to pay a substantial portion of the training costs back?
The way I read it, it seemed to me that Malgus could have you stacking shelves at a supermarket in order to get there money back...
Perhaps thats a little cynical, but I would have certainly wanted clarification...