Jimbo,
The declaration that you admittedly do not know how to progress via the modular route sends alarm bells ringing as it shows you have done really little research in terms of:
1. What airlines take integrated/mods
2. How cheaper it is
3. How you can work and fly/study over 3 years.
The deal is this. When things were rosy, certain airlines would only take 250hr cadets from integrated courses. BA being one of the very few and they would have been cherry picked - i.e Oxford, FTE, CTC would have picked just a handful of cadets as they would not want to be embarassed - so 1st time passes for everything, 90% odd averages in the ATPLs etc. And pass their own tests.
Now going integrated for the very slim chance of even getting an interview with BA is a very big risk - unless you could afford it.
Now fast forward to today. BA do not hire staight-out-of-training cadets at the moment. And who knows how long this will take?
The way to get to a shiny jet - especially in today's market- is to start off at the very bottom like US pilots do. Crop spraying or something like that. Or if you have £30K lying about at the end of your training, you can hand it over to Mr O' Leary. In both cases, it doesn't matter whether you went integrated or modular. And in today's market, that isn't going to happen anyway.
Seriously, if you don't know themod way then read up on it. Only then can you make an informed decision.
You have to ask yourself whether you can afford the loan repayments whilst flying at the bottom end of the scale. My flight instructor can't even afford a beer after work. And he is one of the "lucky" ones who actually managed ot get a job! And it cost him £6K for the Flight Instructor course! Which he had to get another loan for.