Going to somewhere like ATP will leave you paying 700-1000 per month for years. Sometimes paying out of pocket is the best thing to do, even if it takes a lot longer. There is no instant gratification in this industry. I worked a job I hated for several years to save the money required to complete my training. Im 32 now, should get to a regional at 33/34 but debt free.
If you are happy to take on a loan I would recommend going to a college to finish your degree in an aviation related field. This way you can use regular college loans to pay for your training, plus take advantage of the R-ATP. This would make more financial sense than somewhere like ATP in my opinion.