Sounds like they might be quoting you the FAA minimum required hours. Get a break down of the flight hours and costs per hour used to come up with that quote.
I work with US Aviation Academy in Denton, TX and no one ever finished in the FAA minimum time. Some people get fairly close if they study really hard, train full time (no breaks or anything), and naturally talented. Point is, it's rare.
A comfortable margin may be the FAA minimums +20%