I assume you are getting your pricing from a full time integrated course?
You can do your training in a modular route which will save you £££ and you can do it in your own time around your job.
For instance, I'm 19, I done my PPL in about 9 months...I achieved this by working full time and using my wages to fund the training. I'm now doing for my hour building, working week days, flying at weekends!
Doing it this way, theres no debt involved! ATPL Theory courses can be paid for with a few months saving.
Another few months of saving and a CDL loan will cover the CPL and IR but i wish to do my FI rating, so I may need a small loan on top of the CDL (8k max) to help me acheive both.