About three years ago I stayed in Phoenix and rented a room in a house with 3 Pan Am flight instructors. I can't speak for the operation as a whole, but all these guys were former Pan Am students and now MEII's, and each had one student that they flew with a couple times a week. To make ends meet, which included making payments on their $80,000 Key Bank flight training loans, they all delivered pizzas at night. Meanwhile, I had 800 hours total time and was flying jumpers in a Caravan to make payments on my $20,000 worth of flight training loans. Don't know if this is how it always is or if it was just slow at the time. Also not saying I had it better than them, just a whole different ball game than where I came from. Cool bars in Tempe, too.