I won't argue with you there. But at the same time they are getting a degree. That in itself will cost them $40k in most places. So if you figure the other $60k is to get their ratings and time building... if they aren't getting all that... then they are getting a raw deal. Most of them need to find a great money manager and planner and setup a plan to get out of debt.

Not sure if you lumping ATP in that category. For me it's the best solution. Especially considering the cost of Multi-Engine time for 190 hours.