You have a few options to go about this. If I had to do it all over again, I would have gome to a school that has a direct pipeline program with a regional. (ex: USAA in KDTO). You already have your PPL so this would lessen the amount you would spend. The good thing about those types of programs is that you have a guranteed CFI job once you finish the program (no working for free for three months). Plus you would rack up the hours quickly. Also being that you're 20yo, you would have to wait until you're 23 to apply for the ATP. Yes, you would pay more but you would have a regional job waiting for you once you reach ATP mins.

The other route is the military. Uncle Sam pays YOU to learn to fly. You would have a service obligation to complete (8-10yrs). The upshot of this route is that you learn to fly high performance A/C whether you track fighters or heavies. Once you get out you'll be competitive. You may even qualify, based on you hours and type of A/C, to apply straight to a Major as opposed to a regional.

Lastly, is to find a decent 141 school and start working on your ratings. I've spent about $65,000 on my FW ratings thus far. Uncle Sam paid for my RW, INST, COMM, CFI, CFII and RW ATP. In the end, find out what works best for you. Best Of Luck!!