Have an offer from Imperial to do MSc Finance & Accounting, should i take it?

What's putting me off is how expensive it is (£32k), i do get a loan but it's only 10k. I did apply for scholarships but was unsuccessful, but they still gave me an offer. I did however apply for their MSc Finance programme initially and they offered me this instead.

Also i should probably point out I want to go into academia and do a PhD in Finance. I'm open to suggestions. Also as far as I'm aware, for all the PhD courses Ive checked, a Masters in Finance or a related subject is needed. Pretty sure I cant do a PhD with just my bachelors degree.