I can definitly see how Mr. Ninja would be discouraged. $100,000 is a LOT of money. I myself am relatively new to aviation, but I have an idea to help him get out of debt. You could be a drug runner! I bet the pay is pretty sweet, and what could be better than flying a mexican lear jet. It's only a crime if you get caught! But I do agree that ERAU is a bunch of turd.