Hi Petra, if the max you can get it €40K and the course is €39K you could end up in troubles.
If you need more hours than minimum to go for a check, or if you fail a check and therefor have to go back and fly more and pay for another checkride then you will go over the max 40000 you've got. And what will you allocate for all the extras you will need. Books, uniform, headset, bags, charts, calculators etc not even talking about food, means of travel etc!!!