This question may be better off in Private Flying.
However, cheapest is not necessarily cheapest in the long run. The price you've quoted assumes you pass in 45 hours. What if you don't? Have you factored in accommodation etc.
But, also consider that if finances are tight now, are you going to be able to afford to maintain the licence.
You get what you pay for!
Cheers
Whirls
..and as I was typing ... pooooof ... it's been moved!