Chris,
You mention that the 25K on top of the APP or FTE courses, is a "sting in the tail". On top of the 80K for the course(assuming you go on the course), plus interest, im curious as to how your going to pay back over 100K, in the 7 years that you've mentioned as the probable timescale?? Looking at example payscales for new FO's with the likes of Easy etc, I cant possible see how on earth the repayments are possible. You would have to be paying around £1500 per month, on a wage that pays you only £1300 per month! Assuming your also going to need a roof over your head, put food on the table, and have some kind of life, where does the money come from?? The figures just dont fit im afraid.You tell us however that your in the finance industry, is there a magic formula or something that i've missed??