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You are only 18, Get a job...work bloody hard and save. Go distance learning for your Ground School.
The airlines at the moment could not give a damm if your intergrated or modular, they only care if you have a Type with Hours.
If the banks are unwilling to lend you 50K unsecured, it means there is a good chance they see it as a risk, think about that when you get your dad to sign his house over to them for the loan.
Tony