As I understand it the loans via HSBC used to be unsecured. However due to the current situation I think that route is blocked and unsecured loans are no longer an option. Result, you're gonna be 90ish grand in debt (secured against your own or probably mum & dads house), six months in the rhs of a jet where you get 6 grand of your own money then....more than likely out the door to make way for the next band of unfortunates. Oh dear, I don't think I'd recommend that, not for me at least.