Bartolini offer a 0-atpl course for £40,000.
Most would anticipate a loan of £20,000 minimum for a TR.
This gives us a total spend of say £65k (give or take a few thousand)
Your sums are huge and seem to anticipate using expensive schools as a training provider, hence the reason thousands of students don't.
After line Ezy, RYR etc are offering £40k if not more assuming I am understanding the information and assuming the figures are correct on pilotjobswiki.
Ironic you mention facts