Very interested in what you just said about the modular course. I read it as you completed a degree, similar to mine. You would like to become a commercial pilot instead of your office job. You are training on the modular course so if all fails you lose 40k not 75k. What is the modular course as this could be just what I have been looking for. I am looking not to lose a whole 75k too, I would also rather lose 40k as unfortunately my money tree I planted still hasn't grown.
I'm pleased to hear that I am not alone and there are others like me.
Good luck with it all.