To understand the financial difference between modular and integrated look at it this way. Say integrated takes 18 months - cost £85k (including living costs). Modular I'd say is reasonable to complete in 2 yrs around the demands of a professional job. Lets say you can save £700/month over the period and all living costs are already accounted for. Cost of modular training (~£40k) less savings (24x700=£16800) is £23200! You will be £62k better off than an integrated bod, plus you'll have a well paid job during the search for an aircrew position while the integrated bods start stacking shelves. Beyond that the integrated bod probably has to add interest payments assuming a loan is taken out and then because of their rushing and further fanning the flames by paying for Type Ratings etc they've effectively dug their own grave. Final point is the modular aspirant also has a fallback career in case of illness/loss of license. Integrated training at present has to be blind stupidity. If people stopped trying to fast track their way into an airliner (thinking they'll be happy doing that for 40 odd years?!), and played the long game by starting off flying because they love it rather than because they want to get in a 737 asap then some sense might return to the industry. Rant over.