Not the perfect time
Now is not the perfect time to begin a P2F scheme, and this comes from someone who was just about to begin one.
500 hours on a A320 for example will take you 7-8 months with an airline like Atlasjet (I know this because I have several friends in this scheme), which means if you begin now you might finish after summer, not exactly prime recruitment time.
And 35K? maybe 3 years ago but not now, Eaglejet want 50,000 euros, their competitors want anywhere from 35,000 to 45,000. so lets say an average of 45,000 plus your flights, plus 7-8 months living expenses including rent at a pretty standard 1000 a month.
45,000 + 500 + 7000 = 52,500 euros. Not to mention they can increase the costs at a whim, (this scheme went from €29,000 to €49,000 overnight, thats a fact as I have the emails to prove it)
I'm not criticizing but be aware of the true costs. And this is coming from someone who is fortunate enough to have access to the money if the time comes, but I have pulled out as I don't believe this represents reality right now.
Oh and 14 low hour Cabair guys just got recruited to an airline I know by one of their former instructors.
Times my friends, are a changing.