Colomiers, you seem to contradic yourself there. On the one hand if you are already £60,000plus in debt its quite easy to get anither £20K or so? Well if you go to Ryanair, they might give you a letter. However, you might drop out of their course, line training and if you do get dropped you lose all your money. SO maybe the bank might be a touch cautious.
If your Modular and you have spent, saym £40,000 you too might be able to get a loan for £20k for said type rating and if needs be pay £10k for the dreaded 500 hours.
Incidentally, I have also heard from the mouths of Chief Pilots and Recuitment Managers that by Self funding type ratings is one hell of a way to show commitment and they would and do employ people going down this route. And you know what, if you go to a american company and get sone hours with them then you are even more likley to get a job, the facts speak for themselves.