Let me give you another snapshot of actual figures from a large "integrated" flying school. In this example, around 20 graduates this year alone.
£69,000 flying course (bond)
£10,000 Foundation course.
£500 per month living costs (accom already included) £8000
£2000 (discretionary living costs)
£2000 (insurances and up front capital item costs)
£0 Type rating
£0 MCC Jet orientation course. (included with bond costs)
Interest rate for bank borrowing 3% (variable) (£227 p/m initially)
Total £91,000.
Refund of previous flying (foundation course) credit -£3000 (varies on performance)
Refund of bond during first 7 months of airline placement £8400.
Net total £79,600.
Including airbus type rating and 500 hours of airbus flying time (on around £2000 p/m (nett) back to the individual.) Employment contract dovetailed at end of 7 month placement period of around 38K rising to 50K about 9 months later (with 1000 hours on type).
These are accurate figures for this example and I have over 20 such examples this year alone.