Go to America and come back and convert, aviation there is a third of the price compared to Europe and they tend to be friendlier.
Also conversions save money as FAA CPL to JAA is hours as required, so if you are fresh from the US then its easy peasy, try to find a school that uses the same aircraft type, no point spending extra money learning on a Seneca if you flew a Seminole or DA-42.
IR is 5 or 10 hours sim and 5 hours in an aircraft, again big savings if you come straight back to Europe and do it right away.
As for why modular is much cheaper than integrated maybe you should look at the exhibition stands and marketing material that Oxford/Cabair/Jerez roll out, plus the big salaries for accountants and former pilots and that extra layer of management. However they do have good maintenance facilities.