During your summer break go to Hungary or Poland and get your PPL done. At least a bit of it. If you can, try to find a modular school near you. I know its super expensive but it will help you alot if you do it with a local FI who has passion to teach. ATPL theory, you are on your own. Don't go out and keep studying till you get it finished. Very doable. Basically if you plan properly you can get everything done faster than an Integrated guy. I know someone who flew less than 15hrs in 10 months. For hour building Hungary,Spain or Poland. Rent the plane, plan and build the hours. Maybe the last bit with an experienced CPL holder or an FI to learn some instrument stuff. For the CPL/MEIR and APS MCC you can finance it. I did it the same way. no regrets because the costs keep going up and you won't get any younger.