Ill go for the latter but now that its here it has changed the training scene and if the plug was pulled half of us would be out of buisness.
Having said that prehaps if it was structured slightly diferrently where by the loans were still avaliable but they were harder to get? eg. PPL/CPL/MEIR theory has to be self funded and passed before $60K is granted.
Probably best be carefull on this topic or one of Helens army might pass through the post and decide the put the axe through the scheme overnight thus putting an end to most training organisions.