Oh but beazlebub there is another option, you don't have to spend a decade in the "doldrums" of flight instructing etc. The other option is don't do the training. I do not understand why you would throw £100k at flight training in the worst recession in living memory for a poxy flexi contract. Infact you would have to be mental to even contemplate it. It's all very well people saying "ah but there was nothing else on offer", well just don't do the training then. Hold on to your money, even earn some if you can, then when things pick up you'll be better placed to afford it, and also spend less time in the "doldrums" of GA etc. You all had a choice, but you decided to press on with it regardless of the warning signs. These schemes exist for one reason, and one reason only, and that's because the desperate, and dare I say it, blinkered wannabes are prepared to pay it. Narrow Runway & WWW are spot on. It's a crazy, crazy world out there.