Hi,
I agree with ct8282. You will be spending years learning to fly at the rate of one lesson a month. It would probably be the same lesson every month!
Flying every week will save you at least a third. That would pay for a loan.
Your ground exams are valid for only two years.
One thing I don't agree with him about is the Scottish weather. I had hardly any weather cancellations and qualified in seven months flying one hour every Sunday and a very occasional evening. That was however in the east of Scotland back in the days when we thought the world was still cooling down.
Best of luck and don't pay up front.
D.O.