Just remember that you are setting a standard of how this company will treat you in the future. If they have $$ to buy a Westwind they should pay for the training. If you just have to work for this company, I would consider a 1 year training contract. This basically shifts the risk to their side of the equation. I am not saying it's the best option, but it's better than going into debt (unless you have that kinda cash layin around). Depending on the interest rate, you could end up paying twice as much for that rating, ruining your credit, etc. And for what? Just to get some jet time? The truth is, the company is only saying this because they can. Someone will eventually pay for the rating. Also consider why they are hiring you with no jet time. It probably means that nobody with any experience would go down that road. Think about it, and good luck regardless.