Welcome back to the world of aviation.
I did a similar thing to you, with regard to holding down a job to pay for my training, and ended up with a small loan to finish off.
With regard to NAC and OBA, it is difficult for me to comment as I have not been there recently, however, I have been to both. You will find a lot of information on both schools on these forums. From personal experience, and this is only from my own perspective before anyone jumps down my throat, I didn't have a problem with either school. I did my PPL at OBA back in 1995, which was bloody hard work and I do mean hard work! You will be expected to fly a fair few hours a day, and this will be tiring. I was very lucky whilst at OBA in the respect of having a very good instructor. I have spoken to a number of people who have had a rough time there, and have heard horror stories, however that was not my experience. I think that some people, not usually wanabees, think they are there on holiday and they soon realise learning to fly in the space of time available is no holiday, which puts a downer on the whole trip. I even find it in my current job, people arrive at the school thinking leanring to fly will be a doddle, not realaising they actually have to remember an awful lot and do 7 written exams and pass two practical tests, however, I digress.
I have been to NAC twice, only for hour building, and again, I enjoyed my time there. Once again I heard a few moans and groans, and it wasnt perfect, but it got the job done and I managed to meet some nice people.
If you have the time and the money, while not get yourself a cheap flight out to Florida and rent a car for a couple of days. Visit these places and get a flavour for what they are like, and see if you enjoy the atmosphere, that's what I did. At least you don't turn up and go into it blind.
You may want to contact the CAA with regard to seeing how many hours you can credit towards to the issue of a PPL. With 61 hours you must have nearly completed the course, if not finished it? It might just be a question of getting back in the saddle and doing the skill test, but I must admit I don't know the facts.
Hope it all goes well.