Good evening William,
I’m in a similar situation as you, will be at 8 years this time next year, and posted the following question, you may find some value out of the responses provided by Chris and Adam. From all the research I’ve done, pilots and industry personnel I’ve talked to, time and seniority is everything. Being frank, unless you are in the O rankings the retirement at 20 years will likely not be worth the 12 years you’ll miss in the airlines. This does not take away the job satisfaction you may receive or the service aspect, but is something to consider. I’m looking strongly at the reserves to continue to serve while pursuing my dream, best of luck to you.
Erik