The current OAT basic integrated cost is 63k. The additional test/licence fee's are 4.5k. Thats pushing the best part of 70k, and thats assuming minimum hours and first time passes. The average student will require more than that, certainly pushing over 70k. Then the Ryanair sstr at 25k pushes you to nearly 100k!
I did the whole lot modular for lass than 30k. I was still offered the same interview with ryanair as the integrated boys and girls. You do the maths!
And most modular people are holding down full time jobs at the same time so the 'living costs' dont really count.