Ninja,
Check out
www.aircar.com. They hire people with your time, pay for F/O's in around $20k but upgrade to CA comes quick, 12-18 months for someone with your time, and they start around $40k. It's a lot of sitting around so if you get a job at your layover city you'd be able to make significantly more $$.
I can't believe CAPT duped you like that. $100k. WOW! My bud did ATP and had a job at ExpressJet 13 months from starting at ATP and only spent $33k.
~wheelsup