Be realistic and look seriously at what you wish to achieve and the resources available to you. It's all too easy for everyone to have the hero complex these days in terms of their own self belief, finances and expectations.
Yes we would all like to be able to walk into a shiney new car showroom and get the car we really desire but are prevented from going a step further than drooling at it through the windows by our circumstances. There's nothing wrong with that it applies to the vast majority of people out there (we're all the same boat).
The issue of modular is somewhat better than it's made out especially by the likes of the major FTOs. This is simply because it's an irritant and burden to them to facilitate such schemes in comparison to their own integrated schemes. Not to say integrated is bad in any way in fact it's fantastic but for most without a BIG financial net it's impractical and highly risky if things don't pan out (though there have always been some exceptions). Modular has a number of options and YES many pilots go this route and get jobs in the end. You can work arounf your training so that you've got decent money coming in and the more you make of your own back the less you have to borrow
You also acquire work experience and skills as an alternative to flying (just in case). The modular route is also cheaper as a whole which can't be bad, saving all this money maybe you could step into that car showroom after all
The USA option is great too if you research it and then apply for a student visa with some work experience option i.e. the J-1 visa (I think or some equivalent). That way you can get your licences and ratings, get an instructors position and build some serious hours (can't be bad). Return to the UK get converted and end up with licences from both the US and UK and a whole bunch of hours.
BUT what you shouldn't do is get wrapped into the delusion that if you close your eyes all be okay and you'll just get through it. Whatever you choose do so with your eyes wide open and you'll ALSO see that alot of what you thought couldn't be done can be achieved with some practical planning.
Good luck with the PPL, remember you're only 20 so don't rush it just get the money for that primary step and quietly but studiously get on with the training.
Don't worry we've all been there.
Welcome aboard good to have you with us