This one always seems to pop up every couple of months....
When I initially started looking for training providers, I never knew the diffrence between modular/integrated, FAA and JAA...I think everyone looks at the figure cost as a whole and thinks the worst over finances.
If debt / finances is an issue, then do your research and start training modular! If you stay at your current job, get your PPL, class 1, 150 hours experience and perhaps do distance learning on the ATPL theory...you wont be in debt....my idea is minimise my future debt, whether that means it takes me an extra year then so be it...Id rather stay in a happy enviroment with no financial stress.
Modular costs are probably averagly around 40-45k, divide that cost over 3-4 years and its very much achievable to those on below average income with the same time frame as a respectable course at university.
On a side note, if you work and learn how to fly on your time off, it gives you something to look forward to and it certainly made my weeks go faster! 2005 has literally flew past..
happy flying.