Cadets are given a loan through co-op bank. They have to pay it back.
Training duration depends on an individual. I know a fellow who was a captain elsewhere, who took about 9 months for his training. I also know a cadet who took a much shorter period.
If they get more planes and fly them half full or park them, where will they get money to pay the pilots (training and salaries) ? This is the dilemma.
I don't know if any DECs have failed line checks but cadets, yes.