I would delay the ATPL training. Save up for a deposit on a small city centre appartment, bargains are to be had if you can get the mortgage. Stay there for 5 years or so, then when the market picks up with housing and the airlines (which it will, it always does in the end) sell the gaff and hopefully make enough off of the equity, buy yourself into Oxford and have no debt. And you will still only be about 30 years old. Job's a good'un as they say !
P.S Failing that, at least you will have a useful city centre pad and get loads of sha*@ing. Worked for me anyway!
