Why does everyone feel the need to pay up front for their flight training. Around 90% (perhaps more) of the 1500 pilots at the airline I work at paid for their training by having a full time job outside of aviation and paid as they flew ie once a week. Some saved for 12 months and then do a bunch of flying during their holidays. That was the norm 28 years ago when I started flying.
That's how I did it, but a bit more recently. You were ballsy if you paid up-front. Maybe things are different now, but good luck trying to get that cash back if the flight school shut their doors.
Not telling anyone how to suck eggs, of course.