Saintaw, the one-way trip between Spa and Wiltz is 99 km...still shorter than the 156km between my home and Spa.
4K for the 1st year seems a bit over the top for me:
AFF course prices in Spa are 1050€ during weekdays, 1250€ during WE. Included are the insurance and 1 year membership in Spa (jump tickets are cheaper when you're member). Your first solo jump + gear renting + packing is free. This is if you do your AFF without failing a single level. Rejump of level 1-3 cost 190€, 4-7 cost 125€. Most people are able to go thru AFF with 1 up to 3 rejumps. Weather permitting, you should be able to complete AFF in 3-5 days.
When you're waved off to go solo, a jump ticket is 21 € (prices go down as you buy more tickets) and a rental + packing is 12 €. I think you shouldn't buy your gear immediately but take time to try things out and ask a lot of questions. Used gear can be found between 2-3 K while a new gear is 5 K (including an AAD as those are mandatory in Spa. A new AAD is around 1K €). Be aware that used gear suitable to jumpers fresh out of student status are somewhat hard to be found.
Jumpsuit + helmet + altimeter cost around 500 € new, 200-300 € used.
But, as my instructor said to me the 1st day: 'Now your counting your money, within a week you'll be counting your jumps!'. How right he was...
This being said, you need to realize that this is an unforgiving sport and that complacency kills. Like driving a bike, you can do it safety-minded or 'on the edge', and it will hugely affect the involved risk. However, as the old (and almost never bold) skydivers say, 'you can do everything right and still die'. For me, the experience outweighs the risk. I'd even add that I'm much more aware of my mortal condition than 2 years ago and it has changed my views about life and the real important things.