Here's an idea - don't pay for training! You're only helping management stuff their pockets.
If everyone would simply do that, the carriers would be forced to absorb the training costs. Paying for training hurts those who are employed already, as well as those following you. It sends the message to management that you don't value yourself, your skills, or your fellow pilots.
The world's airlines are playing us against each other. If you sell yourself and your fellow pilots short now, what will happen in 5 or 10 years when you're in a position to make another decision involving your career, one that will affect others?
Pilots need to stick together, stop making concessions, and bring back the unions!