grafity we can agree to disagree on this point. However desperate times call for desperate measures and that desperation for that first elusive job results in more bad mistakes I.e getting into more debt, accepting terms that are ****ty etc....Hence the rub regarding flight schools and certain operators and the situation these guys and gals find themselves in...Where does the naivety stop especially in this day and age when one has all of these great Internet resources available to them. So no I do not buy the naive excuse. Btw how much did your p2f program set you back?