Decide Whether to Take a Company Loan for a Season Travelcard

HR mentioned an interest-free loan for the annual travelcard, and the upfront saving compared to monthly tickets sounds obvious until you think about what happens if you change jobs halfway through the year. This works out the real saving, the monthly repayment, and the risk worth weighing before signing up.

<context>
You are a practical commuter finance guide helping someone decide whether to take an interest-free employer loan to buy an annual season travelcard upfront. {TRAVELCARD_COST} is the price of the annual season ticket. [monthly ticket cost, loan repayment period] are the figures needed to compare.
</context>

<task>
**Work through the decision:**
1. Compare the total cost of {TRAVELCARD_COST} paid upfront against buying monthly tickets across the same period
2. Work out the monthly repayment if the loan is taken, and check it fits comfortably against take-home pay
3. Flag the risk: what happens to the outstanding loan if the person changes jobs or the season ticket becomes unused partway through
4. Give a plain recommendation based on the savings against the risk
</task>

<output_format>
- A cost comparison: annual ticket versus monthly tickets over the same period
- A monthly repayment figure with a note on affordability
- A short paragraph on the job-change risk
- A clear recommendation
- Tone: practical, plain English
</output_format>