Do your PPL in USA, (50% cheaper than europe), don't need to fly 12 hours per year to keep it current, just a review with an instructor every 2 years. With an PPL ICAO you can start working towards your ATPL ground exams, so during this time get a job and save money, perhaps you can do a Distance Learning with Oxford/Bristol, it will take around a year year and a half to have everything completed.
And from there you can decide if you want to do the rest in EASA territory or FAA and then convert (in my opinion and based on my own experience) this last option is cheaper and you finish with more hours, than full course in EASA.