It would likely be in the format of a consumer loan that the airline would sponsor and would be guaranteed paid as part of your compensation package over a specified period of time.

There's always a way. This would of course reinforce the obsolete seniority system and further serve to keep pilot salaries low and prevent job opportunities for established and experienced pilots.

I'm sure this is a consideration but probably not by majors. It would be the regionals that would create such a system. The majors have no need.

A lot of pilots think scope clauses and contracts will protect the high end jobs but historically that has not been the case. High end airline pilot jobs are being gradually replaced and will continue to be gradually replaced. If the regionals figure out an effective way to lock pilots into very long term contracts the pool of pilots for the majors will dry up and they will not be able to fill their ranks.

Many people will say if that happens the majors will just raise salaries but again historically this has never happened...why should they? With the seniority system in place there is no economic incentive for an airline to raise pay. Majors have been gradually reducing pilot pay over time (especially the majors) so there is no reason this trend would change.

The reaction the majors will take is the same as they have always done, further forcing the unions to accept larger sanctions such as scope to protect their existing ranks. Regional airlines will operate even larger planes...over 100 seats and beyond in order to reduce the labor demand by the majors.

If you think I'm wrong...come back in twenty years when I'm long retired and we'll see.