You need to ask yourself whether or not you actually want to be in the RAF and fly fast jets, or is it just a route into civil aviation.
If you do want to join the RAF then go for that first, if that fails try CTC, OAT etc and look into the financing options.
If that route fails then you can continue with your graduate job and go the modular route.
That is personally what I would do, whether or not you agree with that is up to you.