Can I ask why you have to borrow all that money and do an integrated course?
I am one of those "young things" that people will hate, however i have been flying for 4 years and by the time i've got to the stage of fATPL ( say 300hrs ish) I will have minimal debt. I will not have borrowed against my parents home (even though the offer was there) It will have taken me approx. 2years from 50hr fresh PPL and I will have gained experience in the working world that I couldn't have hoped for just doing an integrated course straight from school/uni.
Why at 18/19/20/21 do you need to rush through and spend x thousand pounds on training when it will not take a hell of a lot longer to gradually build up to it and get a lot of experience from those you meet along the way.
Yes what I'm doing is hard work. I work 9-5, 5 days a week(did start of doing 6 but found weather was rubbish on the 7 day for flying) and am studying for the ATPL's at night. I fly at weekends. As has been said on this thread already (by those balding and of little libido!!) if you don't work for it will you really appreciate it?
Just my tuppence worth.