Personally, I would find a local school that is active. Pay as you go. Get your PPL, find someone else who is IFR rated, but isn't to 250, and you two can log time under the hood for half price. You'll learn and you'll both get time for half price. Only 15 hours of your instrument training has to be with an instructor. The main deal is that you have to have 50 hours of PIC CC to get your instrument, so when you two are out flying, you have to do the take offs and landings to get the CC time. ATP and other schools are pretty expensive, and if you are proactive about your training, you can save a good bit of money. Have a game plan. Get the book work knocked out early in each stage. If you are wanting to get it done quickly, being close to the airport is important. Having to drive an hour each way makes running out to the airport to fly for an hour in the middle of the week a real PITA.