Thank you very much!
As far as I know the 14k are for the ppl (3 months theory + 3 months flight practice) after that you will have the exams at the very end of those 17 months of training. In case you fail the check flight after the 6 months you don't have to pay money back (You'll loose your 14k). I guess its still hard but is an awesome experience.
Greetings from Munich!