Whatever you budget add 20%. If you need to use it no dramas, if you don't use it, then its party time....
If you do your MCC with someone like
Jetlinx then you may find that the JOT is overkill.
Have you visited a number of schools to make sure you like the feel of the ones you have selected? Remeber it is your money you are spending and it is a fair old wedge, so be sure you like the "look and feel" of the places you are going to be spending all that filthy luker. One other thing, never pay up front.
All the best.