Howdy my friend, well after I was quoted a similar amount to your total, I pulled a 6k loan.
I'm now about $500 short to finish my private. No, there are no other "unquoted" articles, but the problem is that those are JUST the minimums, you have to take into consideration how fast you will be learning.
My advise is to study the ground on your own and save money that way... something I did not do, which has now cost me more "out of the pocket money."
As far as the plane, I don't train in a Cessna, so I would not know the answer to that.
Also, MAKE SURE YOU RESEARCH THE SCHOOL YOU ARE GOING TO ATTEND, MAKE SURE YOU WILL GET ALONG WITH YOUR INSTRUCTOR! It can be a headache when this step is not done properly.
All the best to you!
