alternatively, if you have no debt, why not get a loan, pay for a type rating and actually get a job?
there will now follow posts from the 'don't pay for TR' brigade, but these are the times we are in, like it or not.
That is one way of looking at it, another is the reason people are paying to do type ratings is because some people are prepared to pay for type ratings, and so the vicious circle begins. If everyone sat on their hands and refused to pay for the type ratings, the likes of Liarair would have to re-think their recruitment strategies.