Superpilot,
If you dont mind me asking, what career did you start that paid you £45k? I will have a BEng in Aeronautical Engineering and hopefully that should be enough to fall back on if I fail to find a job after completing an fATPL. There are lots of graduate courses with banks etc that I know would accept me if I did not find that evasive first job. Then hopefully I could get an instrutors rating like timzsta