1st year pay at United is $46/hr greater than Frontier ($85 vs. $39).

2nd year pay at United is between $77 to $83/hr greater than Frontier
($125/131 vs. $68, depending on equipment at UAL).

Now if you’ve been at Frontier for 1-2 years, you’ll have to consider pay going forward for years 3&4, etc.

But the point is, you can afford to pay the training contract and still come out ahead by going to United.