I would stay away from the college programs if you are on a budget. No doubt you are considering moving to Canada because the training here is cheaper than in Europe. Warning! Expect an uphill battle was you have all those licences in hand. Finding that first break is not easy. If you think you will be going back to Europe once the training is complete then get your CPL and MIFR without delay. If you are planning to stay and find work, consider just getting a CPL and then an instructor rating, get some hours and then upgrade to the MIFR. Another option is to go the bush route: Get the CPL, and float (if you still have the cash a MIFR) jump in your car around spring time and get yourself a job working on the dock or ramp. Be prepared to work hard for little money and if you are lucky, then maybe they will let you fly. Good Luck!