mgggpilot,
let me put it into simple numbers.
For example you make 2500 pound.
Say the guy with the same amount of hours makes 3000 pounds. He has to pay the bank 1000 pounds every month to repay his flightschool loan.
He ends up with 2000 pound to spend.
You will most probably earn more than him after his repayment. Apart from that the other guy took a big personal loan without any guarantees of a job.
You have one of the most luckiest starts in the industry, make the most of it