flyasthesky, if you are thinking about PTC in Waterford, it might be worth having a chat with them 1st, I think they have an agreement in place for financing a course through themselves, using AIB. Not sure how it works on your side of the Irish sea, but banks are not lending for commercial training over here, unless you go to OAT, CTC or Cabair, who again have deals in place with banks.
Also the figure you have come up with sounds good, but from experiance you can add a fair bit more, by the time you have taken into consideration, accomodation, exam fees, A/C hire for tests, flight test fees, feeding yourself, etc etc, believe me it soon adds up..