Correct. Also, however honorable you feel it may have been, taking on so much debt while expecting mediocre pay for years and no guaranteed progression while in a bad economy is a gamble that most people and their families wouldn't deem wise. I've lost a few young students that way because they lost their parents' support. They just couldn't see light at the end of the tunnel. Also remember that the cost of flight training, education, and fuel has increased significantly.

Now that there is some movement in the ranks, people might ask about (or complain about) how quickly progression might be obtained at certain places so they can justify their investment, or just so they can move on. I'm not sure what's so bad about that.