VET student loans have a 20% fee and then go up by CPI. So by the time you finish you're just about 100k in the red with 200ish hours.
Compare that to a cheap PPL plus $104/hr hours building with some 182 time at the end before your test.
Insane Soar is allowed to charge that much for a plane that costs $75/hr to run.
Run the numbers but at the end of the day it's your money not mine.