Judojames,
If I was you I'd go and get a PPL first and see how you actually like flying. If you've already done that (or flown a few hours and got the bug), then I'd be inclined to be as cautious as I could be when it comes to how much debt you're getting into..
You mentioned the fact you earn 25k now, which is not a bad salary for someone of your age. If you studied for your ATPL exams whilst working full time, you could save the money you are currently earning. Once you've completed the exams you could take a career break (If that option exists with your current employer) or resign. You could then hour build, go straight into a CPL, and then a Multi IR straight after. Having saved money whilst studying, you will have to borrow less to pay for this.
Put that together on a CV, and in reality the only "modular" part of your training is the PPL and ATPL exams. You will have had continuity throughout the "business end" of your training and as such could anticipate 1st time passes in your CPL and IR skills tests. That in itself saves a hell of a lot of money on re-test fees and aircraft hire!
In all honesty, I don't think that much emphasis is placed upon the name of a school by potential employers. Oxford for example could give you a glowing report, but come your sim assessment and interview etc, if you have a bad day, you will not get the job. If the guy after you, who went the modular route had a good day, he gets the job. It's that simple.
My advice; choose a good modular route and pay less. However, do try to complete the CPL/IR part of the training on a full time basis.
BBP