I like all the comments about weighing how it would affect your credit score or how you might just be able to get away with it bc the company is too busy to pursue it lol. How about not taking 15k of someone else’s money, and promising to do something in exchange for said money, then turning around and not doing the thing you promised to do. Life happens and maybe you have to leave early so the least you could do for not keeping your word would be to pay them back. I’m pretty sure it’s prorated after a year anyway. If your word as a human being can be thrown to the wayside so easily just because you think there is a chance the person who gave you the money won’t bother to pay a lawyer to get it back, then please stay away from any company I’m working at. Your the same pilot who will steal another pilots trips or drop your unwanted trips into their schedule just because you can and know how to work the system, or file a pipeline report behind the other pilot’s back saying how they screwed up without having the decency to let them know you are filing a report. Take your untrustworthy a$$ to another airline.