(I still have a problem understanding your finances, but that's another thing).
One of my friends from school who is joing the RAF as a pilot (we are due to start IOT 10 weeks apart) his dad is one of the chief exec's for shell so he's minted anyway he is a PPL flyer and has his own piper Cherokee so getting a shot of that is simple and cheaper but obviously I have had to fork out hire charges at some point at one point I was paying £140 an hour each time I wanted to go up so to be honest my maths may be slightly out but I guess £13,000 is a good estimate