When I decided to get my license back after my long lay off, I decided that as continuety is so important I would not let money play a part in the process. I flew as often as I could, and put it all on various credit cards. Once I had go my license I took out a zero percent for six months credit card from Egg, and transfered all the balances of my other credit cards to the Egg card (a total of £3500) - After the 6 months interest free period was up, I got bank loan from the Nationwide Building society at 7.9%APR and paid off the Egg credit card balance. Thus I have borrowed all the money I needed for less than any currently available personal loan.
Take advantage of the low interest rates - you are going to spend the money anyway - spending it as you are doing at the moment will cost you a lot more than the interest on a loan.
A friend did a PPL completion course in the US and is very glad he did. Having trained mostly in the UK, the US experience broadened his flying and he is very happy with his decision.
Best wishes