I'm with stanstead on this one.
I worked another career for 15 years before becoming a pilot, I've got a house, a family and I'm now starting with BA in a few months. I don't have any training debt, and I'll bet that by the time you reach 40 you will still not be on the property or pension ladder because of the training debt, so your plan to get ahead by a few years, will actually put you back decades.
Interest rates are going to rocket in the next year or two - did anyone factor that into their figures? I'm sure a £100k unsecured debt at 3% is manageable. But what about at 5, 8, 10, 12, 15%? And what about when the new irish government decide you are all employees and tax you accordingly?
I'm not going to blame the woes of the world on ryanair crews, however it does hurt that the rest of us work for airlines that have to compete with a company that cuts its costs by ignoring the rules (little things like employment law, income tax etc).