Tricky.
I'd give the money back for 3 - 6 months IF it won't cost you much and it won't jeopardise your loan application next time.
A couple of months will allow a much much clearer view to develop. Do not for one second think that even British Airways won't go bankrupt in the near future.
If we have a situation like 1991/2 then I wouldn't wish it on my worst enemy to be a CPL/IR holder with 200hrs no job a massive debt and ratings slowly expiring. Its heart breaking soul destroying stuff. You end up HATING aviation. I've seen it before and I never want to see it again.
Good time to seek a discount from FTO's though.
Not much of a silver lining I know.
WWW