It's possible to split them across two summer vacations. People doing distance learning full-time are completing each of the module in 8 weeks, plus the two week crammer courses. In this way you could do the course in a little over 2 months.
When I was a student, I could have easily coped with the ATPL course while doing my studying, having everything done and dusted in about 8-10 months.
Slightly surprised to hear students with this sort of cash though. Modular will still cost you £30-40,000...