The job market is dead at the minute and i dont see it changing for the foreseeable future,at least in europe,and its getting more and more difficult to get a visa for places like asia without hours on type,i would think long and hard before parting with any money.I have been finished 2 years and got my first call 2 weeks ago for interview after i decided to take the gamble of getting type rated,i know lots of guys ,some who did integrated,some modular,it seems to me that everyone is in the same boat,regardless where they did there training,i would go down the modular route if i was you and as wrong as it is at least you might have the cash left to do a line training program.I would rather have 500 hrs on type than just a cpl with 200-300hours from OAA or Jerez for the same money.You will still have to pay for a type rating regardless of where you train,thats not going to change.And have a back up plan!Be prepared for a wait!