This is the way i see it, I have spent around 40K on getting my frozen ATPL and have 240 hours (went modular), therefore say i was to opt and do a type rating around 17-18K (not from a bank loan) that would have cost me a total of 57-58K probably the same amount as going intergrated, AND I have a 73 on my licence.
Now, considering I did not go to uni, did my A Levels and went straight into flying (now 21) I am not really qualified to do anything else other than fly, so i am working at the moment on around 14K + a bit of bonus, soon my loan will be up for re-paying. The way I see it is that if i spend the amount on the rating and it pushes me up in the way of a job, then I will be hopefully on a salary in the region of 28-29K and can afford to get my own property and pay off my loan. So really i don't see that much of an option.
However i am open to suggestions.
Cheers.
Just my 2 penneth!