Why not take the hard earned £30k and start a modular course? Not starting a Integrated vs. Modular discussion but..... as mentioned all around PPRuNe you could finish with a frozen ATPL for under £40k. The repayments on the difference would surely be much easier to manage if the job situation looks tough on completion?
Remember you can do modular CPL / IR at all the 'flash' schools (Oxford, Cabair, Jerez etc...) and save some useful money for that Type Rating it seems we all now need to fund!
esvdx