I think one thing that is in the favour people who do modular courses is that alot of people these days have one day off a week. Sure there are still alot of 5 days a week office jobs etc but alot of people have days off during the week. I am lucky I have a job as an engineer in the printing industry. I work a continental shift pattern which means I only work 12 a month. The money I earn is good. This allows me to devote at least 10 days a month to ATPL study and my dream job. I think the OAT chap is lucky to have parents to lend him £25k and I would s**t myself if I had a £100k debt to pay to a bank. I do know that Integrated is better for some people so what I would say is that if you want to get a FATPL i think a good idea would be to get a job on shift work and pay for at least some of the training that way, Even fork lift drivers where I work who do the same shift pattern take home £1600 a month,just think that could go towards training and keep you out of as much debt!