"I had a talk with a counsellor from RAA today, and their program seem well bound"

Oh please...

You need to do a lot more research than just talking to an RAA marketer on the phone. Search the net, talk to folks that have gone there, and go visit the place in person before you commit a dime.

Personally, I think the best way to go is small flight school while going to college and instruct your last two years. Could be tough depending on your major and how hard college is for you. I was set up to go this route but chose the wrong college/area to do it at, so it didn't work out too well.