Wow, I can't believe how much you spent on your PPL! $14,000 is way too much....half that would be a sensible figure, including all costs, for a Part 141 PPL.
As for the advice that you should budget for 75 hours and $17,500 for your PPL....I don't think that is right at all. It is achievable in 35 or 40 hours easily, especially if you are young and put the effort in. 75 hours (in my opinion and will probably be "corrected" by someone) indicates a problem....either with what you're being taught, the way you're being taught it or your ability to understand/apply what you're being taught??
For cost comparison, do searches for lots of other schools and find out how much a PPL there costs.