Don't borrow money to pay for flying. If you loose your medical then you are realy in the sugar. And it does happen even to 20 year olds.
That's what
insurance is for dear boy.
In regards to the OP, they only answer for young people getting onto ANY kind of flying course, integrated or modular, is either savings/inhertiance or a secured loan.
That means 99% of us are buggered.
That being said, in the distant future maybe CTC will get the unsecured loan (offered up until a few weeks ago) back up and running.