So your choices are:

Graduate with a 4 year degree and your ratings and be 1200 hours short of an ATP, but with a CFI.

or,

Pilot Mill and end up without a degree and a boatload of debt, but only 1100 hours shy of an ATP?


How about get a real degree (not an aviation degree) and pay as you go at the local fbo. With the new ATP requirements you're looking at 1500 hours, plan to instruct. If you are going to instruct don't let loan forbearance interest eat you alive before you even starting paying the loan. In other words, stay out of debt and for the love of christ, stay away from an 4 year Airways Science degree.