Scary stuff
You're absolutely right...it's scary stuff. However, I have thought long and hard about this and realised the importance of questioning your own motives. Try these...
1. If you won the lottery, would you still pay up for an integrated course of £70? (If so, then you obviously really love the idea of flying than being a lazy bastard supping a pinacolada on a beach)
2. If you calculated that you could have made exactly the same money (and no less) by doing something way less risky, would you still do it? (If so, then you have to admit that job satisfaction is at the top of your motive list, not earnings)
3. When all is said and done, do you find the idea of ending up like Steve McQueen's bad dream in Papillon ("Guilty...of a wasted life") far more worrying than risking going for an ATPL? (If so, you must realise that never having tried for a dream is far worse to live with than having tried your best but failed)
Modular vs Integrated...My view is...do you want to risk £40,000 and have no job or risk £70,000 and improve your chances enormously?
Birky