20 K$ of training with a two-year binding to pay it back is structurally a 20 K$ loan with a two year term and a clause demanding instant repayment of the entir

20 K$ of training with a two-year binding to pay it back is structurally a 20 K$ loan with a two year term and a clause demanding instant repayment of the entire principal in full if you quit. If the company is actually giving you 20 K$ worth of training and they just want you to pay off the debt then that can just be a regular two year loan. If you quit you still need to pay, but on the normal payment cycle. These repayment clauses are loans with extra employee unfriendly steps. Even bankers do not write loans like this for regular people. And when you need to learn a thing or two from bankers about financial ethics, you have made a grave mistake.