If you work extra you'll clear 100k first year at delta. One of my friends there is doing it now. I'm at a different legacy and if you wanna work, you can make that number. You'll be working a ton and having to play the system. As soon as year 2 pay hits though you'll easily be seeing 16k+ months with the same work schedule to make up the difference. Someone mentioned a loan on here in a previous comment. If it's for a loan, can't you just get approved for the loan now?