Rob
so I've decided to work full-time at Transair (a current part-time job) for long enough to sort myself out moneywise to a point where, hopefully, I can commit to an integrated scheme (modular if I have to!).
This is obviously a big step to take and research must clearly be done but if I can work hard enough to clear my current debts
Maybe if you work in transair for about the next 7-8 years full time and exist on fresh air and stay with you parents who don't take diggs money, you may be able to afford it.
A job in trans-air may pay £12k (estimated),after tax and NI you'll be left with £8k ish, then you have to pay your debts off, I think its going to be a struggle mate. Use your HND to get a better paid job. Yes it obviously a big step to take but one that many of us wannabe's have done or are doing. Nobody is going to take you by the hand and lead you through this, if you want it enough you gotta get out there and do it for yourself!!
Good Luck