you could always just buy a little 150. Put an ad in the paper to find an instructor that just wants to build time. And when you are finished with all ur ratings, sell the airplane, and get back most of your money.Airplanes are one of the few thing around that actually hold thier value. They sometimes even go up in value. If you have a buddy that wants to do the same thing, go partners man.
It'll be a hell of alot cheaper than going to big flight school. And it would probably be alot easier to get a loan for something the bank can take away than for you to go down to Florida.
ShurB