What do you think?

So to begin training for my ppl I’ve talked to some schools and individual CFI’s. So I’ve come to the conclusion that it would be best for me to do my training with an individual CFI because I’ve had schools like epic flight school tell me that it would be around $38,000 for a PPL 😐 The CFI that I have talked to have really good hourly rates for instructor and plane and all plane rates are wet and they do in house maintenance. What are your opinions on it? Do you think doing my training with an individual CFI is a good option?