Couple of things:

If you go the civilian route, you might want to look into going to a part 141 school. They allow you to get some of your certificates with fewer hours, saving you some cash. Most also offer a pretty structured training program and it's much easier to take out loans through these schools if needed.

Look into going to a military acadamy. I can't speak for all the acadamies, but at the USAFA you are all but guaranteed a flight slot upon graduation (Assuming you are willing and able). On top of that you are getting an outstanding education for free (they actually pay you to go to school- $820/mo). During the summer you get a chance to be stationed at various bases around the US and world (kinda like a internship but better), and get a chance to do exciting stuff like skydive all on the governments bill. It's difficult to get in and they treat you pretty rough your first year, but it will pay dividends in the end. Oh, and they will pay to have PRK surgery done (Again if you are willing and able).

Rick-PFT gets tossed around pretty broadly. What do you consider to be PFT programs? MAPD, UND (won't hurt my feelings), ATP, Pan-Am, ERAU, etc.? You've always given out what I consider to be outstanding advice. You seem very down to earth, I have quite a bit of respect for you. Whats your story, how did you get to where your at?