I defer'd my course by 3 months so I see no reason why you couldn't defer a little longer. As an earlier post has stated tho they are asking people to apply at a later date should your wish be post 2008.....
Costs to date:
Insurances £1100
Foundation £5250 (current exchange rate, NZD $13k)
Course £60k
Living expenses budget £5k per annum.
You forgot the tag line:
Getting through CTC selection - priceless!