i don't get involved in these discussions normally but you appear to have done a very similar route to myself, ppl to ctc inc imc and mcc/joc on top. yet my figure is more around £52-53K inc interest. but to be fair i haven't had to renew anythign but my medical,
a modular course is what you set out to make it, i have a friend who worked the whole way through, and kept looking for cheapest prices. took him 4 years but his total debt was around £30k and others who are in the 100's, whereas an intergrated course is very set in its ways and ideally what you see advertised is what you pay but it may go horribly wrong just like it can in a modular route,a spar problem springs to mind. if i had my time again i'd go to CTC.But i know guys that went to oxford, modular and integrated, some have jobs others don't . i think theres a bit of luck involved at the end of the day, you hear it said all the time "Right person,Right place,Right time"
i'm not saying one route is better then the other, but you do need to look at both routes and see which route match's your situation, you can get mortgages to match your lifestyle, well you can almost do the same with your training now.
Good Luck
a251
