I would recommend against Sally Mae.
Their interest is ridiculous, on par with credit cards.
Do your private and take it from there.
Try your best to do this pay as you go.
With a wife and kid you don’t want to be right seat Regional with $100k in debt that takes 20+ years to pay off.
By the way ATP is not a respected school in the industry.
Embryo Riddle is, so is Flight Safety and UND.
ATP....meh kinda checkered.