My 2 cents
Current FO on the Ng here and here's is what I can say.
New and well maintained aircraft , lots or routes for experience in your pocket.
Pay is VERY LOW as in Master Warning LOW.
Yes you have to spend money on certificates , uniform and pay to the union is mandatory by law. Vacations are being withdrawn due to the mess "lack of pilots" that scheduling makes. According to union the vacations can't be postponed unless the pilot agrees... I did not and still we're withdrawn. Training is ... Well...
Good luck