All I can say is that £61,000 + living expenses is a lot to cough up for a 19 year old.
I'm not sure how you stand with getting a loan from HSBC with the iCP program, maybe you can let us know?
I agree that CTC must be the number 1 FTO for getting you into the RHS of a jet after graduating but the unproven iCP course is another thing all together. You might end up like another OAT integrated student debating if he/she should do a FIC in order to earn some cash to pay off the £1k loan per month.
Am I correct is saying HSBC will only loan you up to £25k?
In my circumstances (mid 20's with a full time job) I'd probably opt for the States/Spain to get my fATPL but CTC's connections with airlines and quality is second to none!
Good luck.