Going modular has a number of advantages in these uncertain times. The most important is that you are not required to commit vast sums of money upfront to organisations that might not survive - and could take your money with them if they collapse!
The second advantage is that you can time your final graduation more closely to the recovery, when it comes. While things are so uncertain, it's wise to take things slowly.
Make sure that, whoever you choose to do your courses with, you arrange payment monthly through a credit card. This will ensure that you are not exposed to too much risk, and that the credit card company will share the risk with you - and you get the interest from that large pile of cash in your bank! As long as you pay your credit card bills in full....!