Having just read the latest T&C's 2016 thread, I reckon the best advice we could give the OP is go and get a proper job which won't shorten your life for a c@@p salary. Putting the morals of PTF aside for a moment, these young guys must be crazy investing 12k to get a job which will barely pay the interest on their loans. How on earth did our generation of pilots allow it to get so bad?