Clanger32, Oxford is significantly cheaper than FTE and cheaper than CTC. I've not included £15K just for living - check the OAA website - it's for all the test fees and other expenses that are not included in the OAA quote and also travel to Arizona in addition to the normal living expenses. Also it is quite easy to get the modular done for less than £50K (especially with hour building in the US). Including all expenses I actually spent less that £40K. I'm very sceptical about the Cabair prices and don't think they have the connections with airlines to be worth anymore than modular - also you just get the hassle of being tied into a course that is of mixed quality when with modular you have the ability to choose your favoured ground school provider, hour building and then CPL/IR provider and dictate your own pace.