Tarmach - are you sure that the modular route is less than half price - you may not be including the cost of a PPL and 100 hours P1 in your equation?
The Oxford amount is not a million miles off what I will have paid for my modular, when I finish. OK, I'll come in over £10,000 cheaper than the Oxford integrated, and have not done it on an absolute shoestring (PPL, IMC, night rating and some hour building done in UK), but definitely not less than £27,000.
cheers!
foggy.