My advice is the near debt free option. You will be so far ahead four yrs from now. London is great and you will have a wonderful social life. If you are full up serious about studies, you will be too busy studying to fully enjoy the glamorized university experience. Graduating debt free is a huge plus. Finally, think about two steps after college. Not just the next step. Good decisions made sequentially tend to compound. Your BBC networking will be great.

Good luck!