Hi jetjockey696!
Those are precious infos! Thanks for sharing!
Pilots who don't want to get a credit and don't want to build jet hours shouldn't criticise mates's option.
Some prefer to build a career: flying SEP, MEP and hopefully at the age of 45 find an airline which will sponsor them with a TR;
Others prefer to get a bank credit, fly jet engine planes directly after finishing FTO at the age of 25 and at the age of 27 they've paid TR and build 2000hrs!
Easy to choose i'd say.