...about the only thing that ATP has going for them is that they have banks that will finance their ridiculous overpriced training for you.

If you've only done 48 hours, then you should be about to complete your Private, if you feel that you will fail that check ride, then leave the program, it's better to leave the program than to start your career with a negative mark on your record. If you're confident about passing the check ride, then pass it and leave the program, and then continue your instrument somewhere else.

With all that said, read my first sentence again. Half the battle of becoming a pilot is securing that loan, or somehow paying your way through all the certificates. If you leave this program it might prove difficult to secure another loan since they'll be afraid that you will leave that other program again. This is something to think about, keep in mind that I'm just throwing darts out there, I frankly don't know if it'll make it more difficult, I just assume it would.

Lastly, you say you financed half the loan, does that mean they didn't lend you the full $76,000? If that's the case, then why even bother starting a program that you can't really finish, or perhaps I misunderstood what your wrote.

There's also a ton of resources out there, I'm a voracious reader, and let me tell you, some of those FAA books have a way of putting me to sleep, you just have to plow through them. I'm also not big on paying for ground training because I can read faster than they can teach which saves me $$$. That's why I dislike ATP, you should't pay anything close to 76K for a program that has no ground school, paying somewhere close to 40K is part of the appeal of going to a mom and pop shop that doesn't offer ground school, there are many academies out there that charge something close to what ATP does, difference being that they offer proper ground school. I went a little off topic here, but there are visual ground school courses that you can buy that might help you out if you decide to stick it out with ATP. It's kinda lame that for 76K they hand you a $16 FAA book that you can also get for free online, but hey that's the game they play. One would assume that at the very least they would throw in some of the online courses from Sporty's, King, or Gleim, or any of the other outfits in town. God forbid the tuition increases from 76K to 77K for those extra courses

Anyway, if I was in your shoes and had the full loan secured I would just plow through the whole thing and would look at Youtube videos or other online ground schools for extra instruction. I would also ask for a change of instructor if I wasn't jibbing with the one I was handed, perhaps even change location if possible, as someone above suggested. I also wouldn't let those dudes push me onto a check ride that I didn't feel ready for. Granted, we are talking about asking for a few extra days, etc. I understand that they are under a strict time line, which is part of "Fast Track" appeal. Best of luck