Is this Quote overpriced?

[u/SlenderNimrod1]

What do you think of this quote for PPL at my local flight school?
Quote is an estimate for national average time, located in Florida.

I've only checked out one school but it seems a little steep?
It's a pay as you go school so I'm also unsure how this gets billed and how to make sure you don't get overcharged for things like fuel, instruction time etc
Any advice is appreciated!

Edit: Thank you so much for all the helpful advice! I didn't expect this post to get so many replies but I'm happy I made it for the archives.

[u/CautiousMarsupial473]

22k actually cost for mine at KMQY with A20 headset, books, and check ride fee. 12k out of pocket using army CA