Your quite right it will cost you a shed load of dosh!!
I dont believe the private individual can train with CTC, they only work with sponsored applicants through the airlines, for initial training anyway. If its oxford your after, better bump then sum up 10k or so.
As regard the bank, it all depends on your circumstances, just out of college you may not have established a credit rating and like you say they may want something to secure the loan on. Best bet is put your best suit on, get hold of some brochures etc..from your chosen school and go speak to them.
Remember, your gonna have to service the loan when you complete your training. Thats the tough part!
Best of Luck
PP