A simple fix is to find a Part 141 approved school... There are a lot of them out there (both big an small). Under part 141, you don't have to do the time building!!! Yes, if you do it Part 61, and do it all XC, it's great experience. But, I say, do the ratings the cheapest and quickest way... and then have someone pay you to build the hours; i.e., as a CFI, jump pilot, or other.
Good luck.