I attended and then taught at a 141 CC program and think very highly of that route, not that others aren't a good option also. For someone in your position right now i would say continue at the FBO if it is a 141 and ties to the college providing it does offer you some form of degree or credits because yes you will want the 4 year degree!! And do the best to stay out of debt, even if that means it takes you a little longer to finish. I would personally avoid the "pilot mills" like ATP and AF.
The best way to finish faster at a self paced program is STUDY!! dont expect the CFI to spoon feed you everything. Study what you are going to do before you do it, then the instructor can fill in the blanks, and then go practice it. It will take hard work and a lot of money but you get out of it what you put into it!
good luck