As far as I'm aware, for the OATS program, it's not just a question of money. You may want the program, but there will be a screening test of sort(gasp!). If you pass, then the program is on, if you don't, then you go the normal route.
Tricky descision, borrowing is always a last option.
With that amount of money I would go see them ALL, even if it cost money to get there. Talk to them, talk to an instructor at all of the schools, grab a student, talk to him. As for a exam results, shout for them if you have to. Then make a descision.
It's hard graft, but with the money you have to lose!, it HAS to be worth it. £55K in the wrong school, ruins your mind!".
Be carefull, please.