Umm, actually if you look at some of the modular courses they include all but the accomodation costs (though I think the US accomodation and food is still included in some SFT packages) and licence issue, including exam fees. If you look around for self-catering accomodation, say house-sharing with course-mates (car sharing too then) you can still make massive savings.
I calculated my saving at around £9 000 over the cheapest integrated I could find at the time I started.