I don't have that amount of money either
That's why I had to work immediately after getting my cpl. I wouldn't have the slightest idea how fast lawyers and doctors get hired after graduation but I'm thinking of how many thousands of lawyers and doctors graduate each year.
It's really simple, if you don't like pal or pal aviation school then don't apply. Complaining won't get you anywhere near your goal of becoming a pilot. I'm sure everyone would agree with this