am thinking that it may be cheaper if trained a crunch course in Southern USA or other option.
This is where you need to be careful .... if you sit the exams here, and they are JAA exams, you'll need to find a JAA(H) school in the States and there aren't that many. However, you could get an US FAA licence but will then need to ensure your local school will allow you to self fly hire on an FAA licence or you could buy your own N-reg machine.
The US isn't that much cheaper when all costs are taken into account and you may like to consider the local alternative. Firstly, in Scotland, you need to be used to flying when the weather is less than perfect (otherwise you'd never fly), secondly, you'll be taught UK RT and hence will be more comfortable with it and thirdly, how would you feel if your local flying school closed down because it didn't have enough business.
Support your local school and they'll support you. You can learn at a pace to suit you and not be pressured into completing and rushing your flying because you've only got three weeks off work.
Cheers
Whirls