THe school I learnt (JAA) with in the US asked for money up front. Half when you arrived and the other half when your funds were almost spent - the cost of the flight test was also up front. I do remember that the cost of the GFT was definitely more than £130!
Another interesting point to mention on aircraft costs over there. If you wanted to rent a C152.
If you were an FAA student - $45/Hr
If you were a JAA student - $55/Hr.
Work that one out!!! And no it wasnt insurance etc as we paid extra for that as well !!!
I have heard of people failing due to weather as well, one guy on my course failed when the FE asked to fly a particular course and it took him into bad viz. The FE failed him for a bad airmanship decision, said he should have refused. I have flown quite a few hours in CA now and the weather/climate challenges keep you on your toes. I would put a student who learnt in CA up against a UK trained pilot and they would be just as compentent as one another.
Julian