Union says the average TFP is 108. 120 is a pretty easy number if you want to work one or two extra days per month.

In three years, 3rd year pay will be $118, which would put you at $14,160 per month if you averaged 120 TFP. Then don't forget you'll get another 15%, or $2124 in your 401k and you'll also likely average 8% profit share, or another $1132.

I'd think if your making 12k now by the end of year three you'd probably be close to breaking even. Also, having worked overseas, there is no comparison to the benefits of a USA major compared to an overseas airline. That alone is worth something. I would not hesitate to come to SWA if I was given a CJO.