With Envoys attrition and contraction any pilot who signs up for this must understand that they'll be spinning their wheels in the mud and make zero advancement. It will be a wasted two years. At least with another regional, you're likely to make some headway toward captain. Additionally, if the merge Envoy, you'll likely end up at the back of the pack.

Seems like a steep price to pay for $10,000 that will be heavily taxed as non-earned income. Ultimately, for all that it will come out to about $500/month extra for the first year and you'll almost certainly have to start over elsewhere once you realize you're going nowhere fast.