I don't think money is the problem here. In Germany, Lufthansa, the largest airline and has the following model: the pilot program takes 24 months. Students have to pay 60k Euro which the get pre-financed by Lufthansa interest free. The have to pay it back once they get a job at Lufthansa (entry salary 60k/year). If they don't get a Lufthansa job within 5 years they don't have to pay it back. So basically, there is very little financial risk and the job is very well paid. They even give a job guarantee after pregnancy.

Still the female pilot ratio is less than 5 percent.