Don't do it if you have to borrow most of it. Consider it with your eyes wide open provided you have saved up and have a very sound backup plan. Don't get into too much debt. Work hard, save up, build your hours slowly but steadily and take it from there. Only consider integrated schools if you can pay at least half or 2/3 of the costs up-front and manage to work a bit on the side while you are doing it (an option few people mention, but doable) to top up your living costs fund.