Buy an IFR C152, find an instructor and bust through most all your training minus the limited time you would have to spend in a complex for your commercial. Then sell the plane at a huge bargain if you want to get rid of the plane quick (keeping in mind how much you might have spent on maintenance along the way) and you will make out spending less than half what this or any other program like it costs.
8gph @ $6.50 for 300hrs is $15,900 spent on fuel
200 hours with a freelance instructor at $40/hr is $8000
(My guess is that 200 hours should cover flight and ground school if you study hard at home)
Now freelance in your plane..... or just sell it $10,000 marked down from what you got it at and get a job cfi’ing to build the rest of your time while gaining some valuable experience.
Congratulations you just spent about 50k for all your training when you add in ramp fees, complex aircraft time, 100hr inspections, and insurance. It would probably cost less honestly.
Good luck!!