Don't forget you can work whilst doing the ATPL exams so comparing to the integrated course you would probably be in profit whilst doing this part of the training.
Look at doing the IR in Europe and you could do the IR for around £7000. Get a share in something you can do the PPL and hour building on and I think you could do the modular route far cheaper than some people seem to be suggesting.
You will also have the opportunity to meet many people in the industry and get your name known whilst doing the modular route as well. Its all about networking after all.