I'm following the modular route - currently doing the ATPL groundschool full-time - and like most others, I've given up the day job and am living on borrowed money. It makes me very uneasy when I think about the risk I'm taking but if it all goes disastrously wrong and I fail miserably, I'll sell the house, pay off the debts and start again in the real world on the meagre amount I'll have left over. My situation is fairly precarious but compared to some, I'm lucky still to have a house. For the majority of wannabes there just isn't an easy way to do it.