The old will I get a job?
I know two people in the last 3 months to leave Oxford Integrated and do a FI course and still not get one. One did have an interview with Ryanair; but didn't actually get it. So he paid 30k for that interview you could perhaps argue?
In every career you will have those that work their way up and those that are looking for the fast track to the top. The fast track is high reward high risk; which the large FTO's jazz up their chances. You never get a ratio of the success rate because it wouldn't be so glossy.
Can you justify an extra 30k for the same quality of training? A nice lady organising the course for you? Not to mention the fact you have interest and taxed earnings taking your 70k to close to 160-180k to actually repay to the bank. If you can't then modular or choose a different career.
It doesn't help that students can get 9k + bursaries in goverment loans for their education for ridiculus courses such as warehouse management and david beckham studies. And for us their isn't anything.