macflea,
was in exactly the same situation as you. Couldn't do the ground school by distance learning. Took 8 months out and completed it full time. It certainly makes a difference attending a course. It makes you learn, even when you are not in the mood. Plus, you are surrounded by like minded individuals who are having the same problems as yourself.
Can't speak whether the pass grades are any better going full-time or distance learning as it really does come down to the ability of the individual.
Having said all that, I have maximum respect for the chap(ette)s who can hold down a full time job, and find time to queeze in 3 hours study per evening. Hats off.