When it all goes a bit t*ts up I think you will be better placed as a CTC cadet than self sponsored etc.
However it is good that you do look at the risks, generate options and make a informed decision. This is what you are expected to do as a pilot after all!
Things are not going to be peachy over the next few years. Many airlines are laying people off already. This includes airlines who take a lot of CTC cadets. Don't stroll into it thinking I will get a flying job and if not pop down to the high street and be on circa £35K within minutes. Many companies outside aviation are offering temp contracts as they are unsure what will happen. It could be very difficult to finance that loan and live. Be ready to move back in with the parents!
RR are probably doing well as everyone moves to get new engines to reduce fuel burn and save money. Don't let one companies strong sales fool you.
However, that said you will have a much better chance of getting a job as the CTC brand is strong and well thought of by all airlines they deal with. There will always be jobs, they just might not be in the UK when you graduate. You are far better of with CTC than on your own.....