You are better off at a flight training academy, any academy, than a local FBO. For the most part local FBO are stocked with slacker / crooked CFIs that have no interest in your training. Their main motivation in life is to log another 0.1 hours in their books.
Do yourself a favor. Go with a company, any company, with a proven track record for producing pilots.
The notion that a person shouldn't go from 0 - Commercial pilot w/ instructor ratings in 90 days is DE727s opinion.
There is absolutely no problem with a 90 days pilot. Flight academies that do produce the 90 day pilots do a good job and it only shows how much time is wasted at the local FBO...I mean it takes months to get your PPL.
-LAFF