but modular takes more time, so that might equate to more cash required....
It only takes more time if you're working as well in which case you are earning money as well. It is possible to undertake a full PPL/CPL/IR etc course full-time modular.
I believe most people prefer to maintain a job as well as training especially as there is no hurry at the moment to get qualified.
Cheers
Whirls