Wow, I step away from the computer for a few hours and came back to find a lot of good advice and help!
Ateam - you're amazing. You have really brightened my day. Your generosity came on the heels of some other good news so I've definitely got a smile on my face now.
The other good news is that my husband did pass the state CDL test with flying colors and as of tomorrow (the DMV office is closed Monday even though the testing center is open) will be the proud holder of an Indiana Class A CDL. Yes, we do live in Ohio, but one of the requirements for the school was that he had to hold an Indiana CDL permit, so he had to switch his license over. After he gets the IN license tomorrow, he can switch it back to his home state at his leisure.
I'll try to answer as many questions or concerns as I can in one post though if I miss you, it's not cause I'm ignoring you! Just a lot of information to digest. I've been reading all the posts to my husband over the phone this morning and getting his feedback.
I'm not 100% sure when the contract with USA starts but we both believe it is with the first day of training. There was someone who had a concern about still owing if the school fails you - I look at it like college. If you fail the class, you still have to pay for it in college, so I don't see how it'd be any different for CDL training. You've used the instructors' time and resources, and those cost money. So yes, if the school fails you out, you do owe the company the money since they fronted your tuition cost. There was also a question about the CDL testing facility - it is in a different (though nearby) location, completely separate from the school, and they test for multiple training schools, so there's nothing shady going on there (amazing, right?).
We did our research before signing on with USA (which is why we didn't go with Schnieder, lol) and were expecting a delay of a week or two, which seems pretty typical - not a month or two! We also made sure to avoid getting locked into a lease contract, we knew that had bad news written all over it.
He is going to be talking to USA tomorrow about when he starts orientation. He is going to do everything in his power to get to orientation sooner rather than later. I was also slightly mistaken about the hold time after orientation - there is an option to stay at the orientation location (Van Buren AR) and get paid "in training" pay ($350/week), or you can go home and be with your family but you do not get paid during that option. So the biggest hurdle will be getting to orientation as soon as possible, and after that he will just stay there until a trainer is available. As long as he is getting paid, he can wait as long as necessary, but we can't wait forever without a paycheck coming.
We are really, really trying to fulfill the contract with USA if it is at all possible because with a year experience he will have many options open to him, and the income he can reasonably expect (which seems about the same as the very low end of what a solo expediter is averaging right now) will allow us to catch up on bills and straighten our credit out.
Someone mentioned team driving with the two of us - he keeps talking about it, but I'm in college. I left a fairly good paying job to return to school two years ago (before the economy fell apart) and I'm determined to finally get through with it as soon as possible. I'm in online classes for the next two quarters to free me up to work (if I can find a job) or to go with him once he gets passenger privileges, but starting fall quarter I have to take a chemistry series that requires actually being there, so I will not be able to be out on the road anymore.
VBobby - we live in Dayton, which I'm sure you're familiar with as one of the ghost towns being left behind by the automotive industry. Work is in high demand around here and finding something for a month (or even permanently) is just not going to happen. Ironically, I got laid off from pizza delivery in December and have not been able to find work since, even with 3 years delivery experience. I guess it's a sign of how bad the local economy is when even the pizza delivery people can't hold onto a job!
Yesteryear - you've nailed our potential plan on the head. We were a little weary of USA going into this (they were the only company hiring out of the 6 or 7 that normally hire through Driver Solutions) and now we are very weary. If he is put on hold for a month or more before orientation, and if he by some miracle finds a team to join into, he will be breaking the contract with USA and finding a way to pay back the $6k. At this point in time he would not have hauled a single load for USA, so would that mean he wouldn't get a negative DAC?
... I think I got everything. I don't have my husband on the phone right now so if he's got anything to add, I will post again.