Depends.
I went modular and I don't regret it all. My loan is low comparing it to MPL and integrated students. But the MPL students have a secured job. Which you can't find easily while going modular. If you can entry a MPL programme, go for it. But keep the loan in your mind, which will give you a headache.
But paying off your loan while cruising at FL380 is much better than flipping burgers.