Man utd, are a challenge to manage, that is due to the squad being under rated on the game, players like Valencia, Fletcher and Carrick are better irl then on the game. You do get 60million first season for title challenge, but with the crippling debt, You lose around 4-5million a month in Debt repayments, so i tend to sell to buy with Utd, which is okay, as players like Brown, O'shea can generate you 10 and 9 million each. I play a 4-2-3-1 formation with utd, and generally only buy a CAM for them, but even then Park or Giggs does a really good job 1st season aswell.