This topic is going nowhere.
Most of the adverserial postings say, on the one hand, quite correctly, that paying for a type rating is unethical, and, on the other, the people who are organising these money making schemes,defend their positions.
Unless you have lots of spare savings, or are heir to an inheritance, forget it, and get yourself a nice job in the Police, or the Fire Brigade- you'll get as much excitement, job security,with a lot more money on your early retirement!
Surely a person works in a job to make enough to support a family, and be happy with life. How can anyone be able to do any of this, if they are in debt to the tune of £80,000- £100000 before they start properly in their career?