I have to agree with others. It would be best if you go modular. Maybe you will not have that much ground studies and it will take maybe a bit longer but you will be able to do that.
Since you do your training only once in your life it is hard to compare but I would really recomend you to go to Eastern Europe, it will be cheaper for you.
Honestly, you really do not need that much money for yourself. We had (it is still there) a little house for pilots in training just on the airport. You had to pay for that but it was really cheap, just for pilots or people from aviation, quite comfy, there was everything you need. Bed, internet, bathroom, kitchen. It was just 1 km walking on taxiway to hangar.
Find a job, aviation industry related job, ramp agent or something. Maybe money are bad but you will be in business. Or something well paid, it is up to you. Work a lot, live cheap, save money. Do your PPL from your salary and savings. Start ATPL theory, keep working, do your time building and when it is time, go for loan, take money, take time off and go do CPL, IFR etc.