I had a Cadet scheme through OAA and had to take a loan out for the £66k course fee's. I secured this loan to a UK property (the bank then forgot to do this and now I have a 55k unsecured loan!!!)
I then spent another £30k (of my own money) in living expenses over 18 months (as I was supporting an newly born baby and a wife on state maternity benefit), on a mortgage, bills and renting in Oxford.
The options available for me was to pay off the loan 0ver 5 or so years and pay back £1100 a month or extend the pay back period to 11 years and reduce the payments to £780 a month. I opted for the extended 11 years payment time, as this allows me to pay the minimum per month when I am struggling with cash, but I can also pay in as much as I want on top of that. So for example if I had a good month with overtime I could add in an extra £2k payment that month and there is no issues with that.
As far as having a enough money every month, then I can only comment on a jet job salary. Take hoe basic is approx £2600, plus allowances of approx £500. Leaving plenty to live on once the initial £780 is paid.
Personal opinion : It's a great job regardless of what all the whinging
say about it. The people are great, the time off is good and the pay only gets better every year.
The market is on the up, just bite the bullet and do it. Best thing I've ever done. Good luck and feel free to PM me if you want anything else