guys relax, as scorpio said I am pretty sure they mean all new joiners will have to pay for the rating, and anyone with < 3 years company time will have to do the same for any upgrades etc. Your pay won't be cut
@ Blusky
The repayment is $1389 USD/month for the first 18 months, so you will still have $6711 left over. You then get that money back after 36 months, so all is well. And yes housing is included. Good luck with the interview