^^ This

Not sure how realistic it is for the OP, but for anyone in a tough spot like this, consider signing up for four years in a career field that doesn't deploy as frequently as others so you can use Tuition Assistance to knock out general B.S. education courses while serving (toward a Restricted ATP approved degree). Then upon separating at four years use the GI Bill to fast-track the remaining flight courses and degree requirements for the 1,000 hour R-ATP.

Four years sounds like a lot, but you'll shave off almost a year of flight instructing simply by getting the R-ATP and you won't have all those loans to pay back.