i really think TS just want to go to UK. if i were u, i rather go to NUS. the rezen is the same as other said..

furthermore, i dont want to be abandoned by the huge debt... so hard to pay back...

but like what zstan said, some even spend 1m to do their medic/dentistry.. so 400k is lower (a bit~) than 1m... if u REALLY feel that u can do it, then just go for it...
remember to consider all the circumstances,..

this is just from an spm leaver, cant help u much, juz giving my opinion...

Gud luck btw, hope u'll find your right path!!