MartynCC
New
In that case don't worry about the Universal referral. The PADI instructor can give you a PADI certificaiton. There is an extra step beyond the norm, but it isn't much. Make sure they know ahead of time what the situation is.
BTW, either certification is recognized around the world, and if you want to take more advanced classes together later on, it is not hard to cross over.
If money is tight then I think the SSI route will prove better for both of you as from what I can see (as a recently qualified SSI instructor) should you choose to do specialty courses such as Deep Diving and say Nitrox...the courses tend to be lower priced with SSI than PADI. Here in the Philippines I reckon it would be about 35% less per speciality