Im a first year FO and I can attest to the difficulty with training pay. Guys in my class literally had to save up at their other airlines to afford training pay here. And first year pay after 401k and taxes is coming out to 33k a year. Thats doable for some, but not with a family if you are sole supporter. Honestly its making me look elsewhere because I can't afford to support my family as an FO at a major airline.