UAL went to HS to recruit. They hired HS grads with PPL. They had them on the payroll, and trained them, then put them to work as Flight Engineers...then they worked their way up.

AA/UAL/DAL will have to either guarantee loans, or hire non-pilots, or very low-qualed pilots and train them...unless they can get the gov't or someone else to guarantee loans...and even guaranteed training loans may not get enough bodies into cockpits....