Doing modular or integrated, its all the same training and same licences but integrated is strucured diffrently and costs 30k more, your mainly buying the schools name to put on your CV and some say integrated increases your chances of employment...but thats another argument!
Modular training you will do each training phase at the pace you and your financial situation can hold...(your simular age to me and i have no funding, no backing...I just have a job that pays peanuts but I still manage, it takes time...).
My advice is, speak to many people involved with aviation, get to know the training process and what you need to do in order to get your professional licence....get your class 1 medical to ensure your medically fit to fly commercially and pop into your local flying school and book a few lessons towards your PPL.