Do you guys seriously not understand the difference between a bond and paying for the training? You are not required to pay money to anyone, you are not even required to take out a loan. A bank guarantee meets the requirements, which can be a simple line of credit extended to you by the bank that would pay Norwegian in the event you leave prior to three years. It is sort of like checking into a hotel and them running your credit card to pay for incidentals, or to guarantee the reservation. No money is actually being taken from you, but the hotel can recoup its costs in the event you cancel or run up a huge bill.