Clanger,
it depends how you work things out but 40% can definately be true.
If you went integrated and borrowed 70K (If they still are lending!) then you add on the interest with the repayments, then the loan is actually for over over 100K. Add expenses on top of that for the 12-18 months. If I took this option, then I would have to leave work costing me 38K a year.
Therefore, an Integrated course will cost me circa 200K!!!!!!
I have worked out that doing it mod (with 25% contingency) will cost me 56K including everything - no loans.
So for me, going integrated would be 400% more expensive! (4 times the mod course).
There is no contest between mod vs integrated so don't even start debating.