Hi Ryan
Maybe a previous poster wasn't blunt enough....
Stop making excuses (we all have difficult jobs, work funny hours, have other commitments, don't have money growing on trees - but we all made the time, found the money etc)
Put in the work, and you'll be fine. I cannot believe you didn't study from the AFE or Trevor Thom books. Or any book for that matter. If your instructor knew you hadn't got any of the PPL books, and yet let you write the exam, then you need a new instructor and/or flying club. The Oxford CDs are nice to haves, but are pretty sonorous, and certainly do not cover anywhere near enough of the syllabus for you to expect to pass. Buy the books, a Confuser and register on AirQuiz.com. You should be getting 95% - 100% in all the exams.
To be a pilot you need to be able to make decisions. Very quickly. And on your own. You can't expect this forum to give you advice on what to cancel and when to write an exam.
But your flying school will not let you fly solo without Air Law. Usually for club Insurance reasons. So you have no "firepower" in that regard. Yes - technically you can fly solo without Air Law, but it just won't happen. But if you had studied Air Law properly you would probably know that. Do you have your medical yet?
Now give the forums a rest and start grafting. You will receive very little sympathy from the other forumites.