Rote 8,
I know numerous people who have completed the modular route between 35k and 40k!
Just because you have paid 70k to complete your training by modular courses doesn't mean everyone else will be paying this price!
I estimate to have spent around 12k by the time I have 150 hours! call it 6k for my ATPLs (generous amount, incl accomo and an additional percentage to cover any unknown factors), 6k for CPL! 3K for MCC and an overly generous 15k for IR! even splashing out on a type rating and FI rating, I would still probably be under 70k!
I purchased a share in an aircraft for my hour building! and get my flying hours at basicially half price to club aircraft hire costs! at the end of my hour building, I resell my share and get my money back! A route I would recommend to anyone! Although, do your research, joining a group with a low fund can sting you badly should the unthinkable happen!
wbryce.co.uk