EFT is actually a pay-as-you-go scheme. No fine print, it was all pretty much upfront. My own experience at EFT (March 2010) was all in all a very good one as well (see review).
The review of Backpacker for training in general is very useful if you want to get your PPL in one go in the USA. At the end of the day the basic costs are more or less the same for all schools, so do not expect to find a bargain and if you do then do read the fine print indeed.