It's not a problem learning over a longer period of time, but you could think about getting your exams done now in the lousy weather, save up for the spring and fly every couple of weeks then.
You could try for a job at Woolies over Christmas, save every penny and learn in the US, but top up with some UK weather flights with an instructor.
Getting into debt is not a good idea, as later you'll have to find money to pay the loan off and to fly.
Good luck, and don't give up.
CC