I switched states and instructors about 17 hours into my ppl. I had used about 5 instructors at the first school and I had not solo'ed before moving. I knew I would not finish with the initial flight school, but the cost for the plane and instructor was about 50% less than were I was going to finish training.

I would say it could still be worthwile. If you already solo, then the new instructor will need to verify for him/herself that you are good to go to solo.

I made the mistake of doing my dual long crossuntry with the first school and then had to repeat it when I went to the second school. cost me an extra 3 hours of dual time. Not money wasted in my opinion.

I also finished my ppl at 43 hours. (part 61)

Need to find the regs but, I believe only a certain percentage up to a max number of hours are transferable from part 61 training towards 141 training. (something like 70% up to 20 hours. ring a bell anyone?)

Is the a career track for you?