757 you are quite correct in most of what you say, I certainly don't deny a lot of what you said.
What isn't correct mind, is the idea that every FO in RYR alone is in 100k debt.
Like you I worked full time at the CAA as is happens studying for my licences etc and finished with a FATPL with MCC owing 8k. Bearing in mind my situation where I had a good steady job anyway, and the fact I'd had to go modular to be suit my needs, of course the likes of BA and any other airline that paid and/or bonded me wouldn't have been interested as I'd not been down the integrated or CTC route.
Ryanair was my first interview, and by paying £25k for my type, I owed £33k ish with a bum on the right seat.
757 - My point on my previous post is accurate though, for people studying full time taking out a loan for full training etc.
For approx 100k you can:
Go modular and pay for a type rating (and have change for sure)
Go integrated and get lucky enough to not pay for one
Worst case- go integrated and pay for one - which lots have done.
I think perhaps we're arguing the same point, if you chose your school (s) wisely going modular and end up paying for a type, it's actually cheaper then having gone integrated in the hope you end up with BA etc...Definitely was for me no question.
Back to my initial statement directed at beachbum, not everyone in RYR is 100k in debt, and not everyone's mummy or daddy paid for their shinny jet rating!