Rather than worry about the bills just work extra for 2nd year pay. Rarely see anyone bidding straight so you will have your pick of the extra flying. Keep in mind you will be obligated to fly 14 days +/- a month at first year pay. For second year pay it needs to be picked up from the company in open time. Monthly open time is a great resource for a new hire. This will make sense once you hopefully get hired and get through IOE. For now focus on the interview and good luck to you. Money will be a short lived issue you can make a ton here.