For the love of god, DO NOT do this, you are ONLY 20 find a job and scrounge your way through it with a CFI. Take it from all of us, this is a bad idea. You'll be so far ahead of everyone else if you get your ratings over a few years. There is no hurry and anyone telling you that you need to get "done as soon as possible" and "build hours as fast as possible" is certifiable crazy or just trying to get your money. If may of us had to go back and do it again, this is one of the biggest things we'd do differently.