I 100% agree with TiredSoul.

This is your decision and you know what is best for you and your family. ATP works for people and they do some things that are pretty good. They will also waste your time and money, ie private multi before commercial then Multi commercial add-on.

Being you have the 9/11 GI Bill, and your PPL. I would recommend you find a 141 school. You are 100%, and can go to MEI for free. I'm still in, and went from 0 time to MEI for about $5K, which was spent during private training (Not covered by the GI Bill).

The down side of that is you will have to find a school attached to a college, get your BS in Aviation. It is a bit of a hassle, but you will have a degree, 1000 R-ATP, and ready to build your time.

I can't recommend direct bill. There is a a lot of "gotcha's" going GI Bill direct.

Whichever path you choose, I hope it goes smoothly.

PM if you have any questions.