I don't believe the issue about contract pilots is that they are not as able pilots, it is more about the forever degrading condition, which have been seen over the industry, and those jobs the P2F brigade are dreaming of after they finish their P2F, they are not there anymore! As there are loads of guys who have NOT done P2F, with more experience, and still not getting a look in at the good jobs, so think about that, before you let yourself into more debts!
It's tempting but also very counter - productive!