Airgirl,
I know exactly how you feel. I think most people have been in the same situation you're in, I included.
The flying is definately the fun aspect of the course but there is going to come a point when you will not be able to progress any further unless you get all the exams out of the way and that is going to hurt a great deal more if you haven't. I know that is the case with the cross-country qualifier. In fact, you will be under more pressure at this stage to complete the exams and that can have an adverse effect on your studies and your pocket.
Please, for your sake, get the exams out of the way. You will be glad you did.
Good luck