Well, think if you're able to pay back the money if you're unemployed for the first 6 months upon your graduation from the UK - unless your results are outstanding, which means you would have no problem gaining scholarship in the first place? - would you able to pay back? I ahve lots of friends in the UK struggling to find jobs after graduating, even with Masters. But some of them got lucky, of course Some just, came back.

Is it cos you wanna go to UK, due to it's higher class? Please, don't think like that. You can always pursue Masters in the UK after you're done with your degree locally, or in NUS. Esp when you said you're self financing yourself. I am one of them that took ptptn loan and survived 3 years with it (1st year foundation fee, i worked part time), without taking a single cent from my parents (pocket money from ptptn excess). Now, i am paying back 50k borrowed for the next 15 years. No regrets.

Weigh the pros and cons.

If you can afford, go for UK.

If hesitating, or worried shit happens (what if halfway no money, how ah?), what would you do? Plan B.

etc...

What did your folks say about it?

http://www.ukcisa.org.uk/student/working_during.php

What kind of work can I do during my studies?
If you have student immigration permission that allows you to take employment, you can work up to 20 hours (in some cases, up to 10 hours) a week during term-time. You can work full-time during your holidays and on work placements. More information in 'What kind of work?'

Can I work an average of 10 or 20 hours a week?
No. If you work more than 10 or 20 hours in any week in term-time (and you are not doing a work placement for your course or an internship), you are in breach of your immigration conditions, even if you work fewer than 10 or 20 hours in other weeks. More information about how many hours a week you can work in 'What kind of work?'