It is too much! I do not know about the financial status of the other pilots here, but I am a student at the University of Economics in Prague, FI for almost 3 years and no money for TR. I have the option to get a loan from a bank though. That is how I will finance it. I can get 60k EUR loan, but I do not know how would I live without pay for a year? It seems like getting second job or what do they think??? The job is not 100% guaranteed, if you fail to get a job, you can cancel the contract, then they will refund 15k. I.e. you will pay "ONLY" 45k. Still big fat margin on that