You can get a PPL a variety of ways. Are you in school, does it have any sort of aviation program? This is how I did it, and you can get traditional loans in addition to your loans for school. You can also go hit up a local FBO (Fixed Base Operator). These are the guys that work at that airport in your area and rent planes, employ flight instructors etc. Most FBO's seem to have some sort of affiliation with a loan program. At the very least, I would say it will probably cost you 4000-5000 dollars. (Mine was 7,000 but I took time off in between so it took me longer).
As for length. That's entirely up to you, and the weather in your area. I think the requirement is 40 hours of total time (don't quote me on this). If the weather in your area of Washington is anything like it is here in Ohio, it's hard to finish your PPL quickly in the winter. Things like low visibility, high winds, icing etc get in the way. You could probably do it in 3 months if everything goes perfectly. Maybe shorter, but probably longer.
So if I can make a suggestion to you. Get started and go hard. Find a flight instructor that's really flexible and can work with you. Whenever you can get out of work/school and can fly, do it. Those nice days just aren't always there.