If I was you Id stay in the UK to do your training. 46,000 in America doesnt sound like bargain of the decade either.The quality of training in the UK is far better, and is a well known fact. you can do the whole thing on a modular basis in England for 30,000.
Ive been pricing it up for a while.
PPL 5,000 (or welshpool, 3500!)
IMC 1125
Night Rating 500
ATPL exams 4,000
Hour Building to 100 (50 hours) 3500 70 pp/hr
* CPL, IR, Multi Engine Combined upgrade course 16,000
MCC 2500
Total cost 32,625
The talk of training in this country cost upwards of 50k is cods wallop, you can get a good deal if you shop around.
(* This course can include 100 hours line training on 737 etc, for an additional cost.)
Just shop around here first if i was you!