You also should note that the likes of CTC, OAAC or any other ATO for that matter will gladly take your money and promise you the earth, or at least an FO's job. The reality is that these establishments are just like any other business with eyes firmly fixed on the bottom line. Profit for investors and shareholders. They will tell you anything you want to believe and take your money, but no job at the end. This is why there are so many CPL/IR's fATPL et al all chasing far too few RHS jobs.
Airlines are interested in Captains, not FO's